RV Insurance
Quotes are not available for risks located in AK, FL, HI and LA.
Travel protection is offered by our trusted partner, Travel Insured International, through InsuraMatch, LLC, a Travelers-owned insurance agency.
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Pet insurance is offered by our trusted partner, PTZ Insurance Agency, Ltd through its ASPCA® Pet Health Insurance program via InsuraMatch, LLC, a Travelers-owned insurance agency.
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Flood insurance is offered by our trusted partner, Neptune Flood, through InsuraMatch, LLC, a Travelers-owned insurance agency.
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Classic car insurance is offered by multiple carriers through InsuraMatch, LLC, a Travelers-owned insurance agency.**
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Traveling in an RV offers freedom and adventure, but it also brings unique risks. RV insurance provides customized protection so you can roam the open road with confidence.
What is RV insurance?
Who needs RV insurance?
Anyone who owns or uses an RV should consider RV insurance, including weekend travelers, seasonal vacationers, full-time RV residents and those who rent motorhomes. While insurance requirements vary by state and vehicle type, RV insurance provides important protections.
If you’re renting a motorhome, the rental company may provide basic liability coverage through motorhome rental insurance, but this may not provide all the coverages you may need. Additional temporary motorhome insurance may be necessary, and you may want to consider purchasing RV rental coverage directly from the rental company. Review and choose coverage options carefully to make sure you have the protection you need while renting.
Is RV insurance required by law?
Most states require at least minimum liability coverage for motorized RVs, similar to auto insurance requirements. Legal requirements for towable RVs, like travel trailers, are typically less stringent because they’re covered under the towing vehicle’s policy while in motion. Separate coverage is still valuable for when the RV is parked.
What does RV insurance cover?***
RV insurance provides several important coverage options to help protect your RV on the road or while it’s parked. Whether you need motorhome or camper trailer insurance, protections can include:
Total loss replacement
Total loss replacement coverage helps cover the replacement of your RV with a comparable new model if it’s declared a total loss due to a covered event. This coverage can be especially important for newer RVs that would be costly to replace.
Personal belongings coverage
Personal belongings coverage helps protect the items you bring along such as clothing, electronics, camping gear and more.
Liability coverage
Liability coverage helps cover the costs if you’re responsible for someone’s injury or property damage, whether your RV is moving or parked.
Emergency expense coverage
If your trip is interrupted by a covered loss, emergency expense coverage helps cover costs like temporary lodging, meals and transportation. It can help prevent you from being stranded when accidents or mechanical issues disrupt your trip.
Full-timer coverage
Also known as full-time RV insurance, full-timer coverage functions like homeowners insurance for those who use their RV as a primary residence. It can cover personal liability, injuries, property damage and other losses that may happen with full-time RV living.
Vacation liability
Vacation liability coverage helps protect against accidents that occur while your RV is parked at a vacation site. It provides protection specifically for risks associated with using your RV as a stationary residence, complementing your general liability coverage, which applies whether your RV is moving or parked.
***Features and benefits may vary by carrier and product, are subject to each carrier’s underwriting guidelines and may not be applicable in all scenarios."
How much does RV insurance cost?
- Type and value of your RV.
- Your personal driving record.
- Coverage options selected.
- Full-time or seasonal use of your RV.
- Location and storage arrangements.
- Applicable discounts.
Discover RV insurance solutions with InsuraMatch
- An approach which provides personalized guidance.
- Access to multiple carriers to find coverage for your needs.
- Specific knowledge of recreational vehicle requirements.
- Flexible coverage options to match your specific RV usage.
For guidance and personalized RV insurance policies, call InsuraMatch today at 844.734.7425.
Secure your adventures with policies tailored to your needs.
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