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.
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:
The largest type of motorhome, typically 20’ – 40’ in length and built on a commercial bus or truck chassis.
The smallest motorhomes, sometimes called camper vans, usually built on a van chassis
Mid-sized motorhomes featuring an over-cab sleeping or storage area.
5th wheels mount into the truck bed for more storage and more stable towing.
Towable RVs up to 40’ in length that attach to a trailer hitch
An RV that has a dedicated living space plus a garage area and an access ramp for dirt bikes, atvs, kayaks, etc.
Sometimes called a tent trailer, campers collapse down onto a compact trailer for easy towing.
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:
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.
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.
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.
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.
This feature covers the cost to replace lost or damaged personal property stored inside the RV.
When an accident interrupts your trip, this feature reimburses you for missed reservation costs for campgrounds, hotels, etc.
If your RV is in the shop, your RV insurance will cover the costs of lodging, food, and transportation.
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.
Many factors going into RV insurance costs, so different insurance companies may offer different rates to cover the same vehicle.
Insurance companies offer lower rates to drivers who haven’t been ticketed for traffic violations (for example: speeding, reckless driving, accidents).
Just about any RV insurance agency will give customers a discount when they also purchase car insurance or homeowner’s 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:
Prices for the same coverage also vary among companies because the plan details may be different.
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.
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.
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.
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.
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.
These policies cover damage from a collision with another vehicle, no matter who is at fault. This coverage also features a deductible.
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.
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.