Keep your RV secure on the road or at home.
Whether it’s on the road, parked at your home or at a camper park, recreational vehicle (RV) insurance can keep your rig protected from damage, theft, fire and other potential losses. Many providers will also cover the contents of the RV so your belongings remain protected.
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What are the types of insurance by RV size?
RV insurance policies are usually organized by the size of the vehicle. There are three general types:
- Class A. This is the biggest, most expensive type of RV, often as large as a bus.
- Class B. Sometimes referred to as camper vans, this is the smallest class of RV.
- Class C. This is the midsize of RVs, often referred to as mini motorhomes or cab-overs.
How do I get cheap RV insurance?
The cost of RV insurance varies depending on the value of your RV and how you’re using it. It also varies between providers, so get RV insurance quotes from a range of providers to check prices. Here are some ways to bring down the cost of insurance:
- Get the right level of coverage. More coverage will cost more, so make sure you don’t have any unnecessary coverages. Do make sure, however, that you have enough to replace your RV and cover any damages in a worst case scenario.
- Discounts. You can save on RV insurance with discounts — including safe driver, bundling , paying upfront and more.
- Security. If you have security systems installed in your RV, your premium can be lower, as you’re considered a lower risk. Security features to consider are cameras, sensor lighting and alarms.
- Reducing unnecessary trips. If you’re hitting the road regularly, your premiums will be different from someone who keeps their RV parked in the same spot all year round.
- Buying a less expensive RV. Obvious though it may seem, how much your RV is insured for will determine what your premiums look like. The premiums for a shiny new RV will naturally be higher than an older one.
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What does RV insurance cover?
Depending on the policy and coverage you select, you could be protected from the following:
| What’s covered | Coverage type |
|---|---|
| Someone runs into your RV. | Collision |
| You damage someone’s car or property. | Property damage liability |
| You hit another car and the driver or passenger is injured. | Bodily injury liability |
| You’re injured after an accident. | Personal injury protection |
| Someone steals or damages your RV. | Comprehensive |
| Your RV is damaged from a fire or storm. | Comprehensive |
| You run into a tree. | Comprehensive |
| The TV in your RV is stolen. | Contents coverage |
| Your RV breaks down and needs to be towed. | Roadside assistance |
| You won’t be using your RV for a few months and want to pause your insurance. | Temporary |
What kind of coverage can I get for my personal belongings?
The type of coverage that protects the personal belongings in your RV is called contents coverage. Contents coverage can include coverage for loss or damage to carpets, household goods, CDs and DVDs, clothes, entertainment systems, televisions, personal belongings, furniture, furnishings, jewelry, tools and more, as well as food spoilage following an insured event.
Some insurance providers offer the option of taking out a higher level of coverage for your RV contents or increasing the insured limit for specified valuable items. You’ll need to pay extra to take advantage of this option.
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How much coverage do I need?
You’ll need to take several factors into account in order to determine the right level of coverage for your situation. Consider these carefully when comparing touring or static RV or camper trailer insurance quotes.
- How much is your RV worth? Consider how much it would cost to repair or replace your RV following an insured event and make sure your total coverage maximums can cover the costs. If your RV is brand new, you’ll probably want a policy that offers new RV replacement. Owners of older RVs should do a little research to determine the market value of their RV.
- How much do you use your RV? Is it an on-site RV or a touring RV? How far will you be traveling and through what kinds of terrain? Are you planning one big trip or several smaller trips? Typically, more use means more coverage needed.
- What risks do you need your policy to cover? Liability is almost always required, while adding collision is generally a good idea. You can also add other coverages on top of those two. You might want coverage for roadside assistance in case of a breakdown if you take many road trips. If you travel with expensive belongings, consider adding contents coverage. If you stay at campgrounds, comprehensive covers you for fire, theft or vandalism.
What RV insurance exclusions should I be aware of?
It’s important to be aware of what your RV insurance won’t cover. Here’s what to look out for:
- Loss or damage that occurs outside the US
- Repairs to old damage
- Loss of value of your RV
- The cost of fixing previous faulty repairs
- Tire damage caused by punctures, breaking or bursting
- Loss or damage to glass, ceramic or a sanitary item where there’s a fracture that doesn’t extend all the way through the item
- Loss or damage covered under any manufacturer’s warranty
- Rust, corrosion, gradual deterioration or wear and tear
- Erosion
- Actions of the sea — except a storm surge that happens at the same time as a storm or flood, or movement or changes in ocean levels
- Landslide — unless it happens as a result of an earthquake, explosion, storm or flood
- Mold, atmospheric conditions or extreme temperature
- Faulty design or workmanship
- Fusion of electric motors
- Repair or replacement of any item that explodes
- Repair or replacement of any item from which liquid leaks or escapes
- The lawful seizure or confiscation of your RV
- Loss or damage caused by mechanical, structural or electrical failure
- Damage caused by a falling tree
- Failure to secure your RV after an accident
- Damage caused by vermin, rodents, insects or birds
- Damage caused by your RV being used for any unlawful purpose
How to keep your RV safe
Protect your RV with these helpful tips:
- Lock it up. Invest in security devices such as wheel clamps or hitch locks to reduce the risk of thieves hooking your RV up to their vehicle. You may also want to install a tracking device.
- Security matters. Install security alarms to further deter thieves. A security camera or system could also be a good idea.
- Hide your valuables. To ensure that your RV isn’t an attractive target for thieves, hide your valuables so they can’t be seen from the outside.
- Get photographic evidence. Take photos of the inside and exterior of your RV that you can provide as proof to your insurer following theft or malicious damage.
- Join a club. If you regularly travel with the other members of an RV club or group, you can enjoy safety in numbers and may also be able to take advantage of insurance discounts.
Does my tiny house need insurance?
If your tiny house is not mobile and you haven’t taken out a loan to finance it, it typically doesn’t require insurance. But if it’s financed, the lender will likely require you to carry insurance — whether it’s mobile or stationary.
If your tiny house is on wheels, most states require you to carry insurance while on the road. An RV insurance policy would be a first option to consider. This type of insurance will cover you while on the road and while parked. Many insurance providers will cover a tiny house under an RV policy, but there are some things to watch out for:
- Most providers require the tiny house to have been built by a RIVA (Recreation Vehicle Industry Association) certified builder.
- Many insurers consider RVs to be part-time dwellings. If you live in your tiny house full time, you’ll need to find a provider that offers a “full-timer’s” policy.
- You likely won’t be able to get traditional RV insurance if your tiny house is a DIY project. If that’s the case, you’ll need to look into specialty insurance.
Types of RV insurance coverages you should consider include:
- Liability
- Collision
- Comprehensive
- Contents coverage
- Medical payments
If your house isn’t mobile and is on a permanent or semi-permanent foundation, you may be able to get coverage through a traditional homeowner’s policy or look into manufactured or mobile home insurance.
Bottom line
Protecting your RV with the right insurance is essential, and so is knowing how to navigate the nuances of your coverage. Compare your policy options to find the coverage you need to relax and explore America in style.