The 10 Best RV Insurance
What is the Best RV Insurance Company?
If you're hitting the road in an RV, insurance is a must-have to protect your investment and your peace of mind. Whether you're a full-time traveler, weekend warrior, or using your RV seasonally, specialized RV insurance offers protection beyond standard auto policies. Unlike a car, an RV can function as both a vehicle and a living space, which means it faces unique risks.
RV insurance covers everything from accidents on the road to theft, damage, and liability while you're parked at a campsite. It ensures that both your transportation and your home-on-wheels are safeguarded. One of the biggest benefits of RV insurance is that it can protect you from unexpected costs.
Monday, December 2nd
2024 RV Insurance Reviews
Roamly
Are you in the market for RV insurance? Look no further than Roamly. This specialized broker knows RVs inside and out, which means they can often find you better coverage at lower rates than traditional insurers. You'll appreciate their knowledgeable agents who can guide you through the process and even help with tricky situations like insuring DIY builds. While their online quote system can be a bit finicky, a quick call to their friendly staff usually sorts things out. After comparing multiple providers, we've ranked Roamly as our top choice for RV insurance - they're simply the best in the business.
Progressive
Progressive might come to mind first for RV insurance, and for good reason. They offer coverage for a wide range of RVs and even DIY conversions. Their online quote process is a breeze, and they seem to value RVs generously, which could mean a better payout if something goes wrong. However, their customer service can be hit or miss, with some customers reporting frustrating claim denials. While Progressive isn't perfect, their comprehensive coverage options and potential for higher RV valuations make them worth your time, especially if you're a DIYer or looking for an easy online experience.
GEICO
GEICO's RV insurance offers you pretty good coverage for various types of recreational vehicles, from motorhomes to travel trailers. We appreciate their strong financial ratings and the range of coverage options, including Total Loss Replacement for RV models older than 7 years and high limits for Personal Effects. Getting a quote can be frustrating, though, since you'll need to call their specialists directly - no online quotes here. Overall, GEICO is a decent choice for most RV owners, but we'd recommend shopping around and comparing quotes before making your decision.
Nationwide
Nationwide offers RV insurance that covers the basics, but they're not exactly RV specialists. You'll find standard coverage options and some decent discounts, which is nice. However, their roadside assistance might not be created with RVs in mind, which could leave you in a pickle if you break down. Getting a quote requires a phone call, which is a bit old-school in our digital world. While Nationwide is financially strong and has good customer service ratings overall, they're not necessarily the go-to choice for RVers. We'd rank them as a solid middle-of-the-pack option - worth considering if you already have other policies with them, but not the top pick for dedicated RV coverage.
RVInsurance
RVInsurance might seem like a convenient option at first glance. They work with well-known carriers and offer coverage for various types of RVs. However, you should be cautious about their service. While getting a quote is quick and easy, our test case suggests you might end up paying more for less coverage compared to other providers. The company's apparent preference for an insurer known for serving high-risk drivers is concerning as well. Given the potential difficulties in getting claims paid and the higher premiums, you're likely better off exploring other RV insurance options first.
RV America Insurance
If you're looking for RV insurance, RV America Insurance might catch your eye. They offer coverage for a wide range of recreational vehicles, from fifth-wheels to Class A motorhomes. While their online quote process is a bit tedious, they do provide decent coverage options. However, the lack of customer reviews and BBB accreditation is concerning. The limited discount offerings and scarcity of information about their service quality make it hard to wholeheartedly recommend them. You're probably better off exploring other, more established RV insurance providers before settling on RV America Insurance.
National General
National General offers RV insurance with some appealing features like diminishing deductibles and storage savings. You might appreciate their online quote process and the option for total loss replacement coverage. However, their customer service and claims handling have a poor reputation, which is a major red flag for insurance. While they might insure you if you have a spotty driving record, their focus on high-risk drivers means they're likely to fight hard against paying out claims. Unless you're struggling to find coverage elsewhere, we recommend looking at other RV insurance providers with better track records for customer satisfaction and claims processing.
Good Sam
Good Sam RV insurance looks pretty nice at first glance, offering coverage for DIY RV builds and touting numerous discounts. However, you may find that the reality doesn't quite match the hype. For one, their roadside assistance - while sounding great on paper - often fails to deliver when you need it most. And, because Good Sam is solely a broker working with multiple underwriters, it's hard to predict what your claims experience might be like. On top of that, they charge for 6 months what you'll spend in a year with other RV insurance providers. While we appreciate that they offer coverage for renters, Good Sam's RV insurance isn't our top choice. You'd be better off exploring other options that provide more reliable service at lower prices.
Liberty Mutual
Liberty Mutual offers RV insurance, but it shouldn't be your first choice unless you're already a policy-holder with them. While they have strong financial ratings, their RV insurance offerings seem like an afterthought. You'll find it challenging to get detailed information or an online quote for RV insurance, as their website is vague and you'll need to call for specifics. They don't cover full-time RVers or DIY builds and it's not clear what discounts apply. Given their lack of transparency and limited RV-specific coverage, we recommend exploring options with higher-ranked companies that specialize in RV insurance.
State Farm
State Farm's RV insurance might seem like a safe choice, but you'll want to think twice before signing up. While they offer coverage for various RV types, their recent financial troubles are a big red flag for their ability to pay out on claims. Given these issues, we can't recommend State Farm for RV insurance right now. Try other options that are more financially stable and that allow you to get a quote online.
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For example, if you're in an accident and your RV is damaged, repair bills can quickly pile up. Similarly, if someone gets hurt in your RV, you could be liable for their medical expenses without the right coverage. Even less obvious risks, like damage from severe weather or theft of personal belongings inside the RV, can be covered under the right plan.
When you begin shopping for RV insurance, you'll quickly notice that different types of coverage exist. Basic policies include liability insurance, which covers the cost of damages or injuries you cause in an accident. However, comprehensive policies provide additional protection for events like theft, fire, or storm damage. Another option is collision coverage, which specifically pays for repairs or replacements if you crash your RV.
You might also hear about Total Loss Replacement and Actual Cash Value (ACV) coverage. Total Loss Replacement will pay for a brand-new RV if yours is totaled within the first few years of ownership, while ACV only gives you the depreciated value of your RV at the time of the accident. These types of policies can make a huge difference in your payout if something goes wrong.
You may notice that some services are direct insurance companies, while others are brokers. Insurance companies underwrite their own policies, meaning they manage claims and coverage in-house. Brokers, on the other hand, work with multiple insurance providers to find the best policy for you. There's value in choosing a broker because they can compare coverage and rates across various insurers, offering a wider selection and helping you find the most competitive prices. Brokers can also advocate for you if there's ever an issue with your policy and offer personalized service that insurance companies may not always provide.
Not every RV insurance provider covers all types of RVs or situations, which is important to keep in mind when shopping for coverage. Some insurers may not offer policies for DIY or custom-built RVs, while others might exclude full-time RVers, who live in their vehicles year-round. Full-timer coverage is often treated like homeowner's insurance, providing liability and personal property protection, but not every company offers it. Likewise, if you've built or heavily modified your own RV, it may be more challenging to find an insurer that will cover it, since factory-made vehicles are less risky.
To help you make an informed decision, here are a few key considerations when shopping for RV insurance online:
- Liability coverage. Make sure your policy covers at least the minimum liability required by your state, but consider higher limits to protect against costly lawsuits or large accidents.
- Comprehensive and collision coverage. Look for policies that offer coverage for events beyond collisions, such as fire, theft, and storm damage. This is crucial for RVs, which are often more vulnerable to these risks than regular cars.
- Full-timer coverage. If your RV is your primary residence, make sure your insurance provides full-time living coverage, which acts like homeowner's insurance, protecting you from liability, property loss, and other residential risks.
- Roadside assistance. Some insurers include roadside assistance in their policies, which can save you from expensive towing and emergency repair costs while traveling.
- Personal belongings coverage. Check whether the policy covers your personal items inside the RV, especially if you travel with valuable electronics or other high-cost items.
- Financial strength. Choose an insurer with a strong financial strength rating, such as an "A+” from AM Best. This indicates the company's ability to pay claims, which is critical in case you experience a major loss.
Top Consumer Reviews has evaluated and ranked the leading RV insurance providers available. We hope these reviews help you find the best service to suit your needs and keep your adventures on the road worry-free.
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