We handpicked the best insurance for RVs and curated a list of providers to help you make an informed decision. The RV industry is growing, with the demand for recreational vehicles reaching new heights. As more Americans turn to RVs for travel and even full-time living, having the right insurance has never been more important.
RV insurance must adapt to a rapidly evolving market influenced by economic factors, industry growth, and digital innovations. This guide will provide you with an expert analysis of the best RV insurance companies for RV owners.
Our Picks
Finding the best RV insurance can be tough, but customer reviews are a great way to narrow your options. We’ve highlighted the top RV insurance companies and their Trust Pilot Scores in the table below for a quick overview. For a deeper dive into each provider, check out the detailed sections in the article.
| Insurance Company | Why We Picked It |
|---|---|
| Roamly | Highly Specialized RV Coverage. Advanced Digital Solutions. 4.75/5 |
| Progressive | Extensive Coverage. Inconsistent Customer Satisfaction. 1/5 |
| Foremost | Cost-Effective. Inconsistent Response Time. 2.3/5 |
| Allstate | Reliable General Coverage. Lacks RV Specialization. 1.2/5 |
| Geico | Competitive Pricing. Mixed Reviews on Claims Handling. 1.3/5 |
RV Insurance Overview
As the RV industry continues to expand, with an estimated 350,000 units expected to be shipped in 2024, the need for comprehensive insurance has never been more important
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What is RV insurance?
RV insurance combines the coverage elements of both auto and homeowners insurance. This is necessary because RVs serve dual purposes: they are both a vehicle and a living space. Essential coverages include:
- Liability Coverage: Protects against damages or injuries you may cause while operating your RV.
- Collision Coverage: Covers damage to your RV from accidents, regardless of fault.
- Comprehensive Coverage: Protects against non-collision-related incidents such as theft, fire, or weather damage.
- Full-Timer Coverage: For those who live in their RV year-round, offering extended liability and personal property protection.
Why Do I Need RV Insurance?
Every RV owner needs insurance, but the type and extent of coverage can vary based on how you use your RV:
- Part-Time Users: If you use your RV for occasional road trips, you might only need standard liability, collision, and comprehensive coverage.
- Full-Time RVers: Living in your RV full-time requires more extensive coverage, akin to homeowners insurance, to protect your residence on wheels.
- Seasonal Users: Those who store their RVs for part of the year should consider storage insurance to cover potential damage when the RV is not in use.
- Commercial Operators: With the RV rental market booming, especially through digital platforms like Wheelbase, rental operators need insurance that covers both their fleet and renters.
How Much Does RV Insurance Cost?
What Influences the Cost?
Several factors influence RV insurance costs, including:
- Type of RV: Motorhomes, which combine transportation and living quarters, typically cost more to insure than towable trailers.
- Usage: Full-time RVers can expect higher premiums due to the increased exposure to risks.
- Location: Premiums can vary depending on where the RV is parked or driven, with factors like weather, crime rates, and regional insurance regulations playing a role.
Additionally, the overall economic environment, including expected decreases in interest rates and inflation in 2024, will likely make RV financing more accessible, encouraging more purchases and subsequently increasing the demand for insurance
What are the Different Types of RV Insurance?
Understanding the types of coverage available is key to selecting the right policy:
- Liability Insurance: Covers damages and injuries you cause to others.
- Collision Insurance: Pays for repairs to your RV after a collision.
- Comprehensive Insurance: Covers damages from non-collision incidents like theft or natural disasters.
- Full-Timer Insurance: Essential for those living in their RVs full-time, providing enhanced liability and personal property protection.
So, Who Has the Best RV Insurance?
Our Top Pick – Roamly
Why Roamly Leads the Pack: Roamly is at the forefront of RV insurance, particularly due to its innovative digital integration with platforms like Wheelbase. This partnership allows RV rental operators to seamlessly integrate Roamly’s insurance into their operations, providing tailored coverage for their fleets and renters. Roamly’s deep understanding of the RV market ensures that their policies are not only comprehensive but also streamlined, making the claims process efficient and user-friendly.
Key Advantages:
- Advanced Digital Solutions: The partnership with Wheelbase simplifies insurance for commercial rental operators, allowing them to manage policies directly through their fleet management software.
- Expert Claims Processing: Roamly’s team understands the specific needs of RV owners, leading to faster and more accurate claims processing.
- Tailored Coverage: Policies designed specifically for RV owners, whether they’re individual travelers or commercial operators.
Progressive
Why Progressive Is a Solid Option: Progressive offers a wide range of RV insurance options, making it a versatile choice for many RV owners. However, customer satisfaction can vary, particularly in the area of claims processing. Progressive remains a strong contender due to its extensive network and available discounts.
Key Advantages:
- Wide Coverage Range: Offers comprehensive options for various types of RVs.
- Discount Opportunities: Includes discounts for safe drivers and policy bundling.
Foremost
Why Foremost Appeals to Budget-Conscious Owners: Foremost provides affordable RV insurance with essential coverage at competitive rates. However, its customer service and claims support have received mixed reviews, which could be a concern for those prioritizing quick and responsive service.
Key Advantages:
- Affordable Premiums: Ideal for those looking to minimize insurance costs.
- Basic Coverage: Covers essential needs, though it may lack specialized options.
Allstate
Why Allstate Is a Reliable Choice: Allstate is a trusted name in the insurance industry, offering reliable RV insurance options. While it doesn’t specialize in RV coverage as much as some other companies, its broad range of products makes it a solid option, especially for those who prefer to bundle multiple policies.
Key Advantages:
- Established Provider: A long-standing company with a solid reputation.
- Bundling Opportunities: Discounts for bundling RV insurance with other policies like auto or home insurance.
Geico
Why Geico Remains a Popular Choice: Geico is known for its competitive pricing and extensive insurance offerings. However, while their RV insurance is affordable and accessible, customer reviews suggest some variability in service quality, particularly regarding claims processing.
Key Advantages:
- Competitive Pricing: Often one of the more affordable options.
- Convenient Online Management: Easy policy management and claims filing through their digital platform.
Which RV Insurance Policy Provider Will You Choose?
With so many great options available, the choice ultimately depends on your RV plans and what you value most in an RV insurance and customer experience. With tailored coverage and innovative digital solutions that cater specifically to the needs of RV owners and rental operators, Roamly remains our top pick.
If you’ve decided on the right RV insurance for your vehicle, why not learn a few tips and tricks to maintain your RV?
At RV Rentals of America, we offer an extensive selection of RVs for rent and a Learning Center to help RV owners and renters navigate their RVing experience.
Frequently Asked Questions About RV Insurance:
Yes, RV insurance is absolutely worth it. It provides essential protection against a variety of risks, including accidents, theft, natural disasters, and liability issues. With the growing popularity of RV travel and full-time RV living, having comprehensive coverage ensures you’re financially protected on the road. Skipping RV insurance could expose you to significant out-of-pocket costs in the event of damage or legal claims.
Roamly is widely regarded as the best RV insurance provider in 2024 due to its specialized coverage options and innovative digital integration for rental operators. It’s designed specifically for RV owners, offering tailored policies that meet the unique needs of full-timers, part-timers, and commercial operators alike. Their high customer satisfaction and efficient claims process make them a top choice.
The type of insurance you need for your RV depends on how you use it. For part-time use, standard coverage that includes liability, collision, and comprehensive insurance may suffice. Full-time RVers, however, should consider full-timer insurance, which offers protection similar to homeowners insurance, covering personal liability and personal belongings inside the RV.
No, you cannot typically drive a motorhome under your standard car insurance. Motorhomes require specialized RV insurance because they combine both vehicle and living space, which car insurance doesn’t cover. RV insurance provides the necessary liability, collision, and comprehensive coverage specific to motorhomes.
For a van to be classified as a campervan for insurance purposes, it typically must include built-in living accommodations such as a bed, cooking facilities, and storage. Insurers may also consider modifications and the van’s intended use when determining whether it qualifies as a campervan.
The best insurance for a travel trailer in 2024 is provided by Roamly, which offers specialized coverage options tailored to the unique needs of travel trailer owners. Their policies include protection for personal belongings, collision, and liability, ensuring comprehensive coverage whether you’re on the road or parked at a campsite.
Yes, motorhomes can be more expensive to insure compared to standard vehicles due to their higher value and dual-purpose nature as both a vehicle and a living space. The cost of insurance will vary depending on the type, size, and usage of the motorhome, as well as your driving history and location.
Yes, campervan insurance is generally more expensive than standard car insurance. This is because campervans are larger, often more valuable, and include living accommodations, which increase the risk and complexity of coverage. Insurers factor in these risks when determining premiums.
Yes, RV insurance covers various types of damage, depending on your policy. Comprehensive coverage protects against non-collision-related damage, such as theft, vandalism, and natural disasters, while collision coverage handles damage from accidents. Additionally, policies can include coverage for personal belongings and full-timer insurance for those living in their RVs.
