RV Insurance FAQ

Everything you've ever wanted to know about RV insurance, in a convenient FAQ.

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

paul martin Reviewed by Paul Martin
paul martin
Reviewed by Paul Martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.


RV insurance is necessary for owners of recreational vehicles who want to keep their investments protected. But it can also be a complicated, confusing coverage. That's why it's important to know the details about this insurance before you ever start searching for a policy.

No matter how you use your RV, these frequently asked questions can provide helpful guidance. An independent insurance agent can also answer your remaining questions and help you find the right RV insurance for your needs. But for starters, here's a big list of all the questions you might want answered about RV insurance.

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by Class A, B, or C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time, and other factors.

The classes of RV include:

Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.

Class B: This is the smallest class of recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers, and camper vans.

Class C: This group includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.

RV insurance covers many similar risks to auto insurance, including collision, comprehensive, and liability coverage. You can also get additional protection for your personal belongings on board, for equipment, and attached accessories such as awnings and satellite dishes. 

Depending on the insurance company you choose, your additional coverage options may include:

  • Total loss replacement coverage
  • Campsite and vacation coverage
  • Emergency expenses
  • Towing and roadside coverage
  • Full-timer coverage if your RV is your full time residence
  • Uninsured and underinsured motorists coverage

RV insurance protects you, as a recreational vehicle owner, from excessive out-of-pocket costs after a loss or if you're at fault for an accident that causes bodily injury or property damage. It can also provide compensation for your costs if you have a roadside breakdown.

Your RV insurance could cover you in the following ways if you took it on vacation:

  • If you have uninsured/underinsured motorists coverage and another driver collides with you but is not insured, your insurance company will pay for your damage. The amount of compensation you receive depends on the amount of damage, your deductible amount, and the limits set on your policy.
  • If you're at fault for an accident, the other driver could file a claim with your insurance company. Your insurer would pay the claim up to the limits of your liability coverage. You'd pay the costs of any damage, injuries, or legal fees yourself beyond the limits set on your policy.
  • If your RV got disabled after a crash and had to be towed, your insurance would cover some or all of the costs of towing.
  • If your RV got stolen, an animal caused damage to your RV, or it got damaged in a hail storm, your comprehensive insurance would cover your losses after your deductible had been met, up to the limits you selected in your policy.

The cost of RV insurance varies widely. Your RV insurance policy's premiums depend on several key factors, like:

  • Whether your RV is a Class A, B or C model. Class A is the most expensive coverage followed by Class C, while Class B RVs are the least costly to insure.
  • Whether you use your RV occasionally or if you are living in the RV full-time.
  • Your driving history and record of accidents or past claims.
  • The limits you set on your policy, as well as the deductible amounts. Your overall costs would be lower if you chose high deductibles, but you'd also have higher costs to pay out of pocket if you had to file a claim.
  • The additional riders or added coverage you add, such as coverage for your personal belongings, towing and roadside assistance coverage, etc.

A Class A RV may cost around $2,000 per year or more to insure, while a Class B may fall somewhere in between $1,000 to $2,000.

RV insurance is an important coverage because of the large investment you’ve made in your motorhome, and the amount you could stand to lose without it. It's also important because RVs are large vehicles that could cause major injuries and significant damage to other vehicles and property in an accident.

If you bought a new RV costing anywhere from $30,000 to over $200,000 and hadn't purchased full replacement cost coverage, you could be hit with significant costs if it got totaled in an accident.

Like car insurance, RV insurance is required in every state. All states require a minimum amount of liability insurance. In addition, some require uninsured and underinsured motorists coverage. 

Collision and comprehensive insurance limits are determined by you, the policyholder. Be sure to consider how you'll cover your costs if you get into an accident and don't have adequate coverage.

You might experience additional coverage requirements if:

  • You rent an RV.
  • You live in your RV full time. You'd need full-timer insurance policy for your RV, which has similarities to homeowners insurance.
  • You finance the purchase of an RV. When you borrow money to buy your motorhome, your lender will most likely require you to buy RV coverage before your financing can be approved.

The amount of RV insurance you need depends on several factors, such as:

  • The requirements of the state in which you reside
  • The class of motorhome you own
  • Where you'll be traveling, and if you'll cross state or country borders
  • Whether you're using it part-time or living in it full-time
  • Whether you have custom features on your motorhome, which can result in higher repair costs

Additionally, the amount of RV coverage you need depends on the assets you want to protect in case of a lawsuit. For help determining how much RV insurance you need, contact an independent insurance agent. An independent insurance agent help you learn about the requirements in your state as well as the specific risks you may face.

RV insurance is available through independent insurance agents, who underwrite your policy through an insurance company. If you work with an independent insurance agent, you'll get the help you need to review several RV insurance quotes in one place.

Find a local independent insurance agent in our network today for help finding the right RV coverage to protect you wherever you go.

RV insurance is available through many carriers, but finding coverage can also depend on your specific area. Here are just a few of our top picks for RV insurance:

Top RV Insurance Companies Star Rating
State Auto
5 star rating
Central Insurance Companies
5 star rating
The Hanover
5 star rating
4.5/5 star rating
5 star rating
5 star rating

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

Why Are Independent Insurance Agents Awesome?

It’s simple. Independent insurance agents simplify the process by shopping and comparing RV insurance quotes for you. Not only that, but they’ll also cut the jargon and clarify the fine print, so you know exactly what you’re getting.

Independent insurance agents also have access to multiple insurance companies, ultimately finding you the best RV coverage, accessibility, and competitive pricing while working for you.

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