RV Insurance Quote
Get an RV insurance quote from an independent broker who shops dozens of carriers. We find coverage for motorhomes, travel trailers, fifth wheels, and campers that protects your home on wheels.
Your RV is more than transportation. It's a home away from home. It carries your belongings. It shelters your family. Protecting it requires specialized coverage that standard auto insurance can't provide.
Whether you're a weekend warrior or a full-time RVer, we'll find coverage that matches how you use your rig.
What RV Insurance Covers
• Collision coverage - Damage to your RV in an accident with another vehicle or object.
• Comprehensive coverage - Theft, vandalism, fire, weather damage, and other non-collision losses.
• Liability protection - Injuries and property damage you cause to others while driving.
• Personal belongings coverage - Your stuff inside the RV: clothes, electronics, camping gear.
• Roadside assistance and towing - Critical for large vehicles that can't be towed by standard services.
• Full-timer coverage - Special coverage for those who live in their RV full-time.
• Vacation liability - Liability coverage while parked at a campsite.
• Attached accessories - Awnings, satellite dishes, and custom additions.
Types of RVs We Insure
• Class A motorhomes - The largest motorhomes, often 30+ feet with full amenities.
• Class B camper vans - Compact motorhomes built on van chassis.
• Class C motorhomes - Mid-size units built on truck chassis with cab-over sleeping.
• Travel trailers - Towable RVs of all sizes.
• Fifth wheels - Large trailers that connect to a truck bed hitch.
• Pop-up campers - Collapsible campers for easy towing and storage.
• Toy haulers - RVs with garages for ATVs, motorcycles, or other toys.
Full-Timer Coverage: Living in Your RV
Do you live in your RV full-time? Standard RV policies might not cover you adequately. They're designed for recreational use, not permanent residence.
Full-timer coverage adds protection similar to homeowners insurance. It includes personal liability coverage for incidents at your site, medical payments to others, and enhanced personal property protection.
If your RV is your primary residence, make sure your policy reflects that. Coverage gaps can be costly.
What Affects Your RV Insurance Rate?
• RV type and class - Class A motorhomes cost more to insure than pop-up campers.
• Age and value - Newer, more expensive RVs have higher premiums.
• Usage pattern - Full-time use costs more than occasional weekend use.
• Storage location - Secure storage can lower rates.
• Your driving record - Accidents and violations affect RV insurance, too.
• Coverage limits - Higher limits provide better protection at a higher cost.