RV Insurance, Made Simple
Motorhomes, travel trailers, fifth wheels—compare liability, comprehensive, vacation liability, and roadside options by state. Start your quote now.
What RV Owners Get Wrong About Insurance
- Motorhome vs. Towable — drivable RVs (Class A/B/C) need auto-style liability; towables focus on comp/collision and liability when parked. Compare setups.
- Vacation Liability — covers guests at your campsite or when parked for use. Add it in your quote.
- Personal Effects — gear, electronics, and valuables may need higher limits. Increase contents coverage.
- Roadside & Emergency — towing a Class A isn’t cheap; confirm RV-specific roadside and emergency expense. See options.
Coverage Types at a Glance
| Coverage Type | What It Covers | Good For |
|---|---|---|
| Liability | Injuries/property damage you cause while driving. | Motorhomes (Class A/B/C) required on public roads. |
| Comprehensive & Collision | Theft, fire, storms, and crash damage to your RV. | Newer units, financed rigs, high weather/theft exposure. |
| Vacation Liability | Liability while parked for use as a residence. | Campground stays and long weekends. |
| Personal Effects | Belongings inside the RV (limits vary). | High-value gear, electronics, tools. |
| Roadside/Emergency | Towing, mobile repair, lodging/meals after a covered loss. | Long trips, remote travel, large motorhomes. |
Not sure what you need? Start a quick quote and compare.
What Affects Your RV Insurance Price?
- RV type & value — Class A/B/C motorhomes vs towables; higher value raises premium.
- Usage & miles — full-time vs weekend warrior, annual mileage, storage.
- Location — theft, hail, hurricane exposure, and registration state rules.
- Driver record — tickets/claims impact rates; multi-policy discounts help.
- Deductibles & limits — higher deductibles can lower premium; confirm coverage needs.
Want a personalized rate? Run a free quote.
RV Insurance by State
Requirements vary by state and RV type. Choose your state, then get a quote.
Real-World Example
Chris upgraded to a Class C motorhome and added $3,500 in personal effects. After switching through A Plus Insurance, they bundled RV + auto, added vacation liability and RV-specific roadside—saving 14%. See your options.
RV Insurance FAQs
Do towable trailers need insurance?
Towables aren’t driven, but comprehensive/collision protect the trailer itself; liability may extend from the tow vehicle. Compare setups.
What is vacation liability?
It’s liability coverage while your RV is parked and being used as a residence at a campsite. Add it to your quote.
Is RV roadside assistance different?
Yes—look for towing capacity for large motorhomes, mobile repair, and trip interruption benefits. See options.
Can I get same-day proof?
Often yes—once bound, we can send digital ID cards for parks/storage the same day. Start now.
Compare RV Insurance Quotes Now
Liability, comprehensive, vacation liability, personal effects, and RV roadside—build the right policy in minutes. Start your quote online or call us.
Last Updated on by Jayleen Ridgeway