Compare RV Insurance Quotes

RV insurance is specialty auto-plus-property coverage designed for motorhomes, travel trailers, and 5th wheels. Standard auto policies aren't built for the mix of risks an RV carries — large size, valuable interior, bolt-on appliances, and often use as a part-time or full-time residence. RV insurance fills those gaps.

For motorhomes, the policy works like auto insurance with added coverage for the built-in living quarters. For travel trailers, it's essentially property insurance on wheels — the trailer is towed, so liability comes from the tow vehicle's auto policy.

A good RV policy includes:

• Liability — bodily injury and property damage to others when you're driving a motorhome.
• Collision — damage to your RV from an accident, regardless of fault.
• Comprehensive — theft, vandalism, fire, hail, and animal strikes.
• Personal property — contents inside the RV (electronics, gear, personal items).
• Vacation liability — liability coverage when the RV is parked and being used as a residence at a campsite.
• Emergency expenses — hotel, meals, and transportation if the RV becomes uninhabitable during a trip.
• Roadside assistance — specialty RV towing (standard auto roadside won't tow a 40-foot Class A).

Annual premiums vary widely by RV class:

• Class A motorhomes ($100K–$500K+): $1,200–$3,000/year.
• Class B (van conversions): $700–$1,500/year.
• Class C motorhomes: $900–$1,800/year.
• Travel trailers and 5th wheels: $300–$900/year.
• Full-time RV policies: add $600–$1,500/year on top for the full-timer's endorsement.

Rate drivers: RV value, class, use (recreational vs full-time), storage location, driving record, and miles driven per year.

If you live in your RV more than 5–6 months per year, yes. A full-timer endorsement adds:

• Extended personal liability — the equivalent of homeowners liability when the RV is your primary residence.
• Medical payments to others — covers injuries to guests.
• Loss assessment — if your RV park charges members after a shared-property loss.
• Higher personal property limits — recognizes that you have everything you own in the RV.

Without the endorsement, most policies exclude or severely limit claims that happen while you're living in the RV, not traveling.

The shopping process:

1. Gather the RV VIN, purchase price, and year/make/model.
2. Decide whether you need recreational or full-timer coverage.
3. Quote 3 RV-specialist carriers (Farmers, Progressive, National General, Good Sam) plus your current auto carrier. Specialists usually beat generalists on pricing and coverage detail.
4. Verify agreed-value vs. actual-cash-value coverage — agreed value is much better for older or custom RVs.
5. Check the storage address on the policy. Rates often drop significantly if the RV is stored indoors or at a gated facility.