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No matter how often you use your recreational vehicle (RV), you need RV insurance tailored to your specific needs, not a policy made for a two-door sedan. But insuring your rig doesn’t have to break the bank.
Even if you already have an RV insurance plan, shopping helps you save: on average, our experts find rates 30% lower than what customers are currently paying.
ARW’s insurance experts will help you find the reliable coverage you want at the best possible price. Just tell us a little bit about your RV and the coverage you want.
Our experts will compare plans from the nation’s leading carriers like Progressive, All State, Foremost, and more. Then they’ll present the top one to three quotes they found. Click below to get a free quote today.
Motorhome Insurance, Travel Trailer insurance, and more!
From Class A motorhomes and 5th wheel trailers to tiny towables and pop-up campers, ARW offers RV insurance policies for a wide variety of vehicles. Here’s a list of the recreational vehicles we cover:
Class A Motorhomes
The largest type of motorhome, typically 20’ – 40’ in length and built on a commercial bus or truck chassis.
Class B Motorhomes
The smallest motorhomes, sometimes called camper vans, usually built on a van chassis
Class C Motorhomes
Mid-sized motorhomes featuring an over-cab sleeping or storage area.
5th Wheel Trailers
5th wheels mount into the truck bed for more storage and more stable towing.
Travel Trailers
Towable RVs up to 40’ in length that attach to a trailer hitch
Toy Haulers
An RV that has a dedicated living space plus a garage area and an access ramp for dirt bikes, atvs, kayaks, etc.
Pop-up Campers
Sometimes called a tent trailer, campers collapse down onto a compact trailer for easy towing.
Cargo and Horse Trailers
Enclosed trailers made for hauling cargo such as automobiles or horses.
From Class A motorhomes and 5th wheel trailers to tiny towables and pop-up campers, ARW offers RV insurance policies for a wide variety of vehicles. Here’s a list of the recreational vehicles we cover:
RV Insurance Policy Features
These features are commonly offered by RV insurance companies. Some are offered as part of regular coverage (see above/below) and others are offered as add-ons.
Total Loss Replacement
If your recreational vehicle is totaled, Total Loss Replacement will replace your damaged RV with a new vehicle. Eligibility sometimes depends on the age of the RV—coverage is mostly available to newer RVs.
Towing and Roadside Assistance
Roadside packages offer an array of services when your vehicle is disabled. Different packages offer different features. Most offer free towing, battery restart, flat tire service, and gas delivery among other services.
Full-Timer Coverage
RVers who live in their RV year-round need more protection (and are more likely to have issues). This is often an important feature for motorhome insurance policies.
Personal Property Coverage
This feature covers the cost to replace lost or damaged personal property stored inside the RV.
Campsite/Vacation Liability Coverage
When an accident interrupts your trip, this feature reimburses you for missed reservation costs for campgrounds, hotels, etc.
Emergency Expense Coverage
If your RV is in the shop, your RV insurance will cover the costs of lodging, food, and transportation.
Tiny House Coverage
An add-on to travel trailer insurance that covers tiny houses that are towable. It provides some essential features of homeowners insurance for the tiny house.
Some companies offer even more add-ons and policy features, such as roof protection, pest, protection, and scheduled medical expense coverage.
Ways to Save on Insurance Rates
Shop Around
Many factors going into RV insurance costs, so different insurance companies may offer different rates to cover the same vehicle.
Keep a Clean Record
Insurance companies offer lower rates to drivers who haven’t been ticketed for traffic violations (for example: speeding, reckless driving, accidents).
Bundle Coverage
Just about any RV insurance agency will give customers a discount when they also purchase car insurance or homeowner’s insurance.
Questions
How much is RV insurance?
The most common question we get is “how much does RV insurance cost?”
Prices for RV insurance vary from just over one hundred dollars a year into the thousands. The cost is based on a number of factors:
- RV Type (motorhome, towable, etc.)
- Vehicle make, model, age, and mileage
- Driver’s age and driving record
- The type of coverage desired
- How often the RV is used (full-time or part-time)
- Discounts
Prices for the same coverage also vary among companies because the plan details may be different.
Is RV insurance required on a motorhome?
Because a travel trailer does not operate under its own power, it does not require liability insurance the way an automobile or motorhome does. Typically, the liability coverage of the tow vehicle extends to the trailer.
However, liability coverage does nothing to cover the cost of damage to the trailer, only the cost of expenses incurred by the other party in an accident.
When the purchase of the trailer is financed, the lender typically requires full coverage, including theft, collision, etc. to fully protect the trailer and its value.
Is RV insurance required on a travel trailer?
Because a travel trailer does not operate under its own power, it does not require liability insurance the way an automobile or motorhome does. Typically, the liability coverage of the tow vehicle extends to the trailer.
However, liability coverage does nothing to cover the cost of damage to the trailer, only the cost of expenses incurred by the other party in an accident.
When the purchase of the trailer is financed, the lender typically requires full coverage, including theft, collision, etc. to fully protect the trailer and its value.
What Does RV Insurance Cover?
When your RV is damaged or stolen, RV insurance covers costs related to vehicle repairs, medical bills, legal fees, and replacing lost or damaged belongings or property. RV insurance typically covers damage caused by accidents, acts of nature, fire, and vandalism.
Bodily Injury and Property Damage Liability Coverage
In most states, this is the only type of insurance required by law for motorhomes. It is not required for travel trailers.
This coverage pays for damages and injuries you cause while driving, and possibly for associated legal fees. It does not cover your medical bills or damage to your own vehicle.
Physical Damage Coverage
Comprehensive RV Insurance
When your RV is damaged or stolen, RV insurance covers costs related to vehicle repairs, medical bills, legal fees, and replacing lost or damaged belongings or property. RV insurance typically covers damage caused by accidents, acts of nature, fire, and vandalism.
Collision Insurance
These policies cover damage from a collision with another vehicle, no matter who is at fault. This coverage also features a deductible.
Uninsured/Underinsured Motorist
When your RV is damaged or stolen, RV insurance covers costs related to vehicle repairs, medical bills, legal fees, and replacing lost or damaged belongings or property. RV insurance typically covers damage caused by accidents, acts of nature, fire, and vandalism.
What is not covered?
When your RV is damaged or stolen, RV insurance covers costs related to vehicle repairs, medical bills, legal fees, and replacing lost or damaged belongings or property. RV insurance typically covers damage caused by accidents, acts of nature, fire, and vandalism.