The Best RV Insurance

Wednesday, December 11th

2024 RV Insurance Reviews

Roamly

• Competitive pricing: our quote was $965, about $300 less than a direct quote from their underwriter for the same scenario
• Specializes in RV insurance, offering expertise for various RV types including motorhomes, trailers, and DIY vans
• Partners with established underwriters like Progressive to provide coverage
• "A+" rating from the Better Business Bureau
• 4.7/5 "Excellent" rating on Trustpilot from over 1,100 reviews
• Knowledgeable agents with extensive RV-specific expertise
• Can often insure challenging cases like DIY builds and RVs used for rentals
• Comprehensive coverage options including full-timer and emergency expense coverage
• Multiple discount opportunities available
• Separate Roadside Assistance program tailored for RV owners

Roamly is an RV insurance broker specializing in providing coverage for recreational vehicles. They work with established underwriters like Progressive to offer competitive rates for RV owners, and can find policies for residents of all 50 United States, and even Canada. Roamly has an "A+" rating from the Better Business Bureau, indicating great follow-through on their responsibilities to customers.

Can cover DIY builds and other challenging situations

Roamly offers insurance for various types of RVs, including traditional motorhomes, trailers, and even DIY vans in some states. They are known for their expertise in RV-specific coverage and their ability to provide insurance for vehicles that other companies might find challenging to insure. And, if you rent out your RV when you're not using it, Roamly may be able to connect you with policies that allow for this, which is uncommon among other RV insurers and can result in lower premiums if you qualify.

You can get a quote online, but you might have to call anyway

While you can get a quote via Roamly's website, the form can be somewhat finicky. You need to be precise when entering your information, such as selecting make and model from dropdowns (instead of typing them in, even though it's possible to type) and avoiding commas in the "actual cash value" field. In some cases, an online quote may not be generated, and customers are prompted to call or schedule a call for personalized assistance. Fortunately, it's easy to get ahold of an agent, and they're a pleasure to speak to.

Knowledgeable agents

The Roamly agent we spoke to explained that Roamly specializes in RV insurance, setting up policies for companies like Progressive, who then act as the underwriter. These companies trust Roamly agents' expertise in writing RV-specific policies, so they offer better rates - reportedly around 30-35% lower. Roamly then shops among all of their underwriters for the best rate for you. In our case, for our Class B motorhome, Progressive offered the best deal. Our agent was knowledgeable about our specific RV model, even mentioning they had several parked outside their office and suggesting we probably wouldn't need pest and roof coverage for our type of RV.

Customers find the claims process stress-free in most cases

Indeed, Roamly has a 4.7/5-star "Excellent” rating on Trustpilot from over 1,100 reviews, most of which praise the expertise and talent of Roamly's agents. One recent reviewer described it as "the best insurance experience [they] have ever had.” According to many other reviews, the claims process is equally outstanding, with agents keeping their clients updated every step of the way with texts, emails, and phone calls. If you need to file a claim yourself, you can do so via the online form or by giving them a call.

Spend 30-35% less

Our quote through Roamly came in at $965 with Progressive as the underwriter. This was approximately $300 less than what Progressive quoted us directly for the same hypothetical scenario and RV, which is right on target with that 30-35% savings estimate. The quote included:

• Comprehensive coverage ($500 deductible)
• Collision coverage ($500 deductible)
• Liability coverage ($100k per person/$300k per accident/$50k for property)
• Uninsured/underinsured motorist ($100k per person/$300k per accident)
• Personal injury protection ($10k per person)
• Full-timer coverage ($100k per person/$300k per accident)
• Emergency expense coverage ($2,000)
• Personal belongings coverage ($5,000)
• Total loss replacement (actual cash value)

Roadside Assistance sold separately

Roadside Assistance is available through Roamly, but has to be purchased separately. Plans start at $150/year for towable and fifth-wheel RVs. It covers you in the case of fuel loss, trip interruption, towing, flat tires, lock out services, and even food spoilage. Roadside Assistance members also qualify for VIP travel discounts from more than 500 restaurants, shops, and other entertainment and travel providers. Your membership covers you for up to $300 a day for no more than 5 days in a row, or up to $1,500 per occurrence. RVs are the cornerstone of Roamly's business model, which is why we trust their roadside assistance more than other insurance companies'. Many other insurers offer RV coverage as an afterthought or simply combine auto and homeowner's policies. We've heard stories of RV owners struggling with expensive or unavailable roadside assistance from these companies. Roamly's specialized focus on RVs gives us confidence in their ability to provide reliable roadside support.

Discounts available, but vary by underwriter

Our Roamly quote was eligible for several discounts, but keep in mind your discount may be limited to what your policy's underwriter offers. Here are few you may see:

• Military discount
• Homeowner discount
• Existing auto insurance discount
• Early bird discount (for policies starting 7 days from quote date)
• AAA member discount
• Property owner discount
• Discount for renting out RV

Our choice for RV insurance

After thoroughly reviewing multiple RV insurance providers, Roamly emerges as our top choice. Not only did their expertise in all-things-RV make it possible for them to offer us deep savings, it also means they excel in covering unique cases like DIY builds and renting out RVs, which many other insurers shy away from. We had a great experience with their knowledgeable agents, and so have many other customers. While we'll always recommend you shop around and get quotes from at least a few other competitors, we're pretty confident Roamly will still come out on top.

Progressive

• Annual premium of $1,348 for comprehensive coverage on a 2022 Winnebago Travato
• Coverage available for a wide range of RVs, including DIY conversions
• Easy online quote process
• Potentially higher RV valuations compared to other insurers
• Extensive coverage options, including full-timer's package
• 24/7 roadside assistance available as an add-on
• Multiple discounts available, including original owner and responsible driver
• Strong financial ratings from major rating organizations
• Disappearing deductibles option for claim-free periods
• Replacement Cost Personal Effects coverage of $5,000 included in sample quote

Founded back in 1937, Progressive is a well-known insurance provider offering coverage for various types of RVs. (Fun fact: they were the first insurer to allow premium payments in installments.) The company holds an "A+" rating from the Better Business Bureau, although, oddly for such an establishment, it is not accredited. Progressive's financial strength is demonstrated by its high ratings from major rating organizations, with A.M. Best giving it an "A+ Superior" rating, Standard and Poor's an "AA" rating, and Moody's Investors Services an "Aa" rating, all indicating a strong capacity to meet financial obligations and low credit risk. The fine print of their website says "coverage is not available in all states,” but they don't specify which are excluded.

DIYers may have luck

Progressive offers insurance for most RVs, including Class A, B, and C motorhomes, conventional trailers, utility trailers, cargo trailers, pop-up campers, truck campers, and fifth-wheel trailers. Some reports suggest you may even be able to get coverage for a DIY camper van conversion, too.

Easiest quote process with potentially high estimated value for RVs

Getting a quote through Progressive is straightforward and can be completed entirely online - no phone call necessary. The process is quick, doesn't time out, and you'll receive a copy of the quote via email upon completion. For our sample 2022 Winnebago Travato, Progressive valued the van at $125,800, nearly $30k higher than some other insurers. This is fantastic news, especially if you go for Actual Cash Value (ACV) coverage. Why? Because a higher initial valuation means a bigger payout if your RV is totaled. Even with Total Loss Replacement - where Progressive would swap your RV for a new or comparable model - that higher valuation gives you a nice safety net.

Great coverage in our example

Our $1,348 sample quote for our Winnebago Travato test case included:

• Liability coverage: $100,000 per person/$300,000 per accident for bodily injury and $50,000 for property damage
• Uninsured/Underinsured Motorist Bodily Injury coverage: $100,000 per person/$300,000 per accident
• Medical Payments: $2,500 per person
• Full-Timer's Package: $100,000 per person/$300,000 per accident
• Comprehensive and Collision coverage: $500 deductibles each
• Emergency Expense: $2,000
• Roadside Assistance: Included
• Replacement Cost Personal Effects: $5,000
• Pest Damage Protection: $5,000
• Roof Protection Plus: $5,000
• Trailer coverage: $0-$2,500
• Total Loss Replacement: Actual cash value

Chat agents not fully knowledgeable

Based on the information we provided, we automatically qualified for the Prompt Payment Discount, Pay in Full Today Discount, Responsible Driver Discount, and the Original Owner Discount. However, since we don't actually own an RV and your situation will differ from ours, we opened a customer service chat and requested a complete list of Progressive's available discounts for RV insurance. The agent we spoke to claimed no such list existed - which didn't turn out to be true, because we quickly found it on the Progressive website through a simple Google search. This instance suggests to us that Progressive's chat agents might not be the most knowledgeable, so you may want to try calling and requesting an RV expert if you have specific questions.

Lots of discounts available

Here's what we found on the list of discounts we mentioned:

• Multi-policy: Bundle RV insurance with other Progressive policies
• Quote in advance: Get a quote at least one day before your policy starts
• Original owner: For those who are the original owners of their RV
• Pay in full: Pay your policy upfront
• Responsible driver: No accidents or violations in the past three years
• Prompt payment: Make payments on time
• Claim free: No at-fault or large comprehensive claims in the past year
• Homeowners: Discount for owning a home
• Continuous insurance: Honors time spent with previous insurer
• Paperless: Opt for email documents
• Small accident forgiveness: No rate increase for claims of $500 or less
• Large accident forgiveness: No rate increase after 4 years with Progressive and 3 accident-free years
• Disappearing deductibles: Deductible reduces by 25% for each claim-free period

Comprehensive, 24/7 roadside assistance offered for extra cost

When you're traveling in your RV, Progressive offers 24/7 roadside assistance and trip interruption coverage as optional add-ons to your policy. Roadside assistance can help you with various issues like towing, winching, jump-starts, fuel delivery, lockouts, and flat tires, whether you're in your driveway or on the road. If your RV breaks down more than 100 miles from home, trip interruption coverage can help cover costs like lodging, food, and alternative transportation, up to $500 total. This coverage is especially useful if you break down over a weekend when repair shops might be closed. To add these coverages to your policy, you can simply log in to your account online or call Progressive directly.

Mixed reputation is typical for the industry

Customer reviews for Progressive RV insurance are, like most insurance companies, mixed. Some customers report positive experiences, praising the company for valuing their RVs more than fairly, offering discounts for full-time RVers, and processing claims quickly and without hassle. One customer mentioned that their agreed value was 50% more than what they paid, which they were happy about. However, the company has received over a thousand complaints on platforms like Trustpilot, with some customers expressing frustration over claim denials and customer service issues. Progressive has an "A+" rating from the BBB, though, which suggests good follow-up on complaints.

A solid choice with some caveats

Progressive offers a comprehensive RV insurance package with just about everything we were hoping to see. We found their quote process easy and their coverage options extensive. The high valuation of RVs and the wide range of discounts available are definite plusses. If you're looking for potentially higher RV valuation and a straightforward quote process, Progressive is a good option. Their coverage for DIY conversions is also a point in their favor. Still, you may want to consider getting quotes from specialized RV insurers like some in this review, or check out other major providers to see how their offerings stack up against Progressive's. Remember, the best insurance for you will depend on your specific RV, usage patterns, and personal preferences.

GEICO

• Pricing details: Specific pricing information not available on website; quotes require calling a representative
• Covers most types of RVs, including motorhomes, travel trailers, and toy haulers
• Financially strong with top ratings from A.M. Best ("A++”) and Standard & Poor's ("AA+”)
• Offers Total Loss Replacement coverage for newer RVs
• Replacement Cost Personal Effects coverage up to $100,000 available
• Includes Vacation Liability and Emergency Expense Coverage
• Special Windshield Deductible with free repairs and low-cost replacements
• Multiple discount options available, including Good Driver and Multi-Policy discounts
• Positive feedback on Emergency Roadside Service
• Available in most states (except HI, MA, MI, and NC)

As one of the largest auto insurance providers in the United States, GEICO has expanded its offerings to include specialized RV insurance in most states except HI, MA, MI, and NC. They have an "A+” from the Better Business Bureau and are financially strong, with top ratings from A.M. Best ("A++”) and Standard & Poor's ("AA+”).

GEICO insures most types of RVs

We found that GEICO covers motorized recreational vehicles including Type A, B, and C motorhomes, as well as sport utility recreational vehicles. They also provide insurance for towable RVs such as conventional travel trailers, fifth-wheel trailers, expandable travel trailers, folding camper trailers, and truck campers. Even toy haulers used to transport motorcycles or ATVs are covered under GEICO's RV insurance policies. They do not cover DIY builds, however.

Getting a quote from GEICO requires a phone call

GEICO's website offers limited information about their RV insurance, and you need to call their dedicated RV insurance specialists to get a quote or answers to any related questions you may have. (Don't think you can get around it by using their chat option - you'll wait in line just to be told by a representative to call them instead.) Their specialists are available every day from 8am until 11pm. You might find the quote process challenging if you haven't yet purchased an RV or don't have all the necessary details about your vehicle ready, but their representatives are friendly and willing to help you out with the information you do have.

GEICO has good coverage options for RV owners

While we couldn't obtain specific online quote details due to the phone-only process, we were still able to learn about their coverage options elsewhere. GEICO doesn't offer coverage for RV owners renting out their rigs to others, but they do offer:

• Total Loss Replacement: If your RV is totaled, this policy provides a brand new, similarly equipped model within the first four years of ownership. From years five to seven, you'll receive either the actual cash value or your initial purchase price, whichever is higher. Beyond seven years, compensation is based on the RV's actual cash value at the time of loss.
• Replacement Cost Personal Effects: This safeguards your belongings inside the RV. Standard policies offer $1,000 to $5,000 of protection, with the option to extend coverage up to $100,000 for valuable items.
• Vacation Liability: This coverage offers $10,000 of protection against bodily injury and property damage claims that might occur at your RV campsite or temporary dwelling location.
• Emergency Expense Coverage: GEICO provides $1,000 in coverage to assist with accommodation and travel costs if you experience a covered event.
• Special Windshield Deductible: This policy provides complimentary windshield repair services and applies a minimal $50 deductible for complete windshield replacements.
• Medical Payments Coverage: GEICO offers two types - one for injuries while the RV is parked and being used as a temporary dwelling, and another for injuries caused in an RV accident regardless of fault.

GEICO offers several discounts to help reduce your RV insurance premiums

GEICO's discounts vary by state, but commonly applicable ones are the Good Driver discount, the Multi-Policy discount, and the discount for drivers with a commercial driver's license (CDL) and for those who complete an approved defensive driving course. To get the full list of discounts you qualify for, you'll need to ask about additional savings opportunities when speaking with a representative. They do not offer disappearing deductibles on any policies.

GEICO's emergency roadside assistance receives positive feedback

We came across a good number of reviews praising GEICO's free Emergency Roadside Service (ERS), which has helped RV owners with issues ranging from flat tires to dead batteries. While there were also a few negative experiences, most GEICO RV insurance policyholders seem to find it a valuable feature. ERS is different from GEICO's Roadside Assistance, which seems to only apply to auto policies and costs extra to add.

A good choice for most, but more transparency would be appreciated

GEICO's website should offer clearer information or allow users to generate a quote online. Calling for information is time-consuming, especially when doing your due diligence by comparing multiple providers for the best rates. On the positive side, we appreciate that personal effects coverage goes up to $100,000 and that they offer a CDL discount. While GEICO won't be the right choice for DIY RV owners, it should be a decent option for most others.

Nationwide

• Pricing details not provided; requires contacting an agent for a personalized quote
• Offers coverage for various RV types including motorhomes, travel trailers, and campers
• Provides coverage for full-time RVers
• Offers standard RV insurance coverages plus specialized options like vacation liability
• Multiple discounts available, including multi-policy, RV safety course, and good driver discounts
• Strong financial ratings from major rating agencies
• Decent claims satisfaction score (875/1000) from J.D. Power
• "A+” rating from Better Business Bureau
• Roadside assistance available, though may not be RV-specific
• Coverage available in most states (exact number for RV insurance unspecified)

Nationwide, a top insurance provider in the US, offers insurance coverage for vehicles, property, businesses, and, of course, RVs The company has strong financial ratings, with an "A+” rating from Standard & Poor's and an "A” rating from AM Best. Ironically, Nationwide only offers auto insurance in 46 states, and their RV coverage availability may vary. We recommend speaking with an agent to confirm coverage in your specific state.

Nationwide insures most recreational vehicles

We found that Nationwide provides coverage for various types of RVs, including motorhomes, travel trailers (including pop-ups), and campers. They also offer coverage for RV owners who make their RV their permanent home, recognizing that sometimes an RV is used for more than just recreation - it's a home on wheels. If Nationwide sells their policies to owners of DIY vans or skoolies, they don't mention it on their website.

Getting a quote requires a phone call

Unfortunately, Nationwide does not offer online quotes for RV insurance. Instead, you'll need to call their dedicated RV insurance line or speak with a local agent to get a personalized quote. This is definitely less convenient, but it does guarantee more personalized service.

Good RV insurance coverage

Nationwide offers the expected set of coverage options for RV owners. These include basic coverages like bodily injury liability, property damage liability, collision, and comprehensive coverage. They also offer specialized RV coverages such as vacation liability, safety glass replacement, and replacement cost for personal effects. However, information about specific coverage limits and exclusions wasn't readily available and will vary based on your individual policy, anyway.

Several discounts are available to help reduce your premium

Nationwide does publish information about some of the discounts they offer for RV insurance. These include multi-policy discounts for bundling with other insurance types, multi-vehicle discounts for insuring multiple recreational vehicles, and discounts for completing an RV safety course. They also offer savings for RV association membership, paying your premium in full, maintaining a good driving record, and having prior insurance coverage.

Roadside assistance is available, but may not be RV-specific

We noticed that while Nationwide advertises roadside assistance as part of their RV insurance coverage, their information doesn't specifically mention RVs. This seems like a red flag for RV owners who may need specialized assistance - like a towing service that can handle the weight and configuration of an RV, for example. Instead, we feel more comfortable recommending an insurance company that specializes in RV roadside assistance for more peace of mind in this area. We've included a couple of companies in our review that specialize in RV roadside assistance.

Nationwide has decent ratings for claims satisfaction

We found that Nationwide scored 875 out of 1,000 in J.D. Power's latest claims satisfaction study, indicating a relatively good performance in handling claims. Additionally, they have an "A+” rating from the Better Business Bureau, which suggests that they prioritize customer service and resolving complaints. However, we couldn't find many RV-specific insurance reviews from customers - with the BBB or on RVer forums - so we can't praise them on anything in particular in that regard.

Fair, but not necessarily RV experts

In the end, Nationwide offers many RV insurance options and is financially strong. But it's hard to say if they're the best choice for an RVs, as there aren't many RV owners out there talking about their experience with Nationwide. If you already have other insurance with Nationwide, though, adding RV coverage might be easy and save you money. The company seems reliable, but they might not be experts in RV insurance like some rival companies in our review.

RVInsurance

• Annual premium of $1,084 for a 2022 Winnebago Travato 59G valued at $97,315
• Quick and easy online quote process, taking less than 10 minutes
• Works with A-rated national carriers like National General, Safeco, and Foremost
• Coverage available for a wide range of recreational vehicles
• Full-Timer Coverage option available
• Emergency Expense Coverage of $750 per accident
• Personal Belongings Coverage of $3,000
• Multiple discount options available
• Total Loss Replacement coverage option
• Serves RV owners in most U.S. states

RVInsurance is a broker that connects RV owners with insurance carriers. The company works with A-rated national carriers like National General, Safeco, and Foremost to provide coverage options for a wide range of recreational vehicles. They don't offer coverage for Alaska, Hawaii, the District of Columbia, or - oddly - Massachusetts.

DIY builds may not be covered

RVInsurance offers coverage for various types of RVs and motorhomes, including:

• Motorhomes: Class A (diesel and gas), Class B (Van conversion), Class C (mini-motorhomes)
• Trailers: Conventional Travel Trailers, 5th wheel travel trailers
• Pop-up campers, Airstream Trailers, Truck Campers, Toy Haulers, and Horse Trailers

Our research did not turn up any information suggesting that DIY builds can be insured through RVInsurance.

Get a quote fast

Our experience with RVInsurance's quote process was simple and took less than 10 minutes. You'll need to provide detailed information about your RV, including make, model, year, and usage. Your personal information such as driving history, RV ownership experience, and lifestyle factors are also required. Although they advertise multiple underwriters, the system automatically routed us to National General for a quote, with no option to compare rates from their other carriers.

Higher premium for less coverage than competitors

Based on our quote for a 2022 Winnebago Travato 59G with an estimated value of $97,315, here's a breakdown of the coverage offered:

• Premium: $1,084 annually
• Comprehensive Coverage: $1,000 deductible
• Collision Coverage: $1,000 deductible
• Liability Coverage: $100,000 per person / $300,000 per accident / $50,000 property damage
• Full-Timer Coverage: $100,000 per person / $300,000 per accident
• Emergency Expense Coverage: $750 per accident
• Personal Belongings Coverage: $3,000

Our quote provided less coverage for a higher premium compared to some competitors. Adding Total Loss Replacement coverage further increased the price by nearly $400.

Be sure you're eligible for Total Loss Replacement

If you're still considering full replacement cost coverage for your RV through RVInsurance, they want you to be aware of common restrictions (though they don't specify which ones apply through National General). Insurance carriers typically have guidelines based on the RV's model year, usually within the last 5 years. There are also frequently limitations for RVs valued at over $500,000. Certain RV types such as semis, bus conversions, pop-ups, and toy haulers may have specific restrictions, depending on the carrier.

Discounts available

RVInsurance offers several discounts, though availability may vary by carrier and state:

• Multi-vehicle discount
• Accident prevention course completion
• Experienced RV operator discount
• Paid-in-full discount
• Anti-theft device discount
• Original owner discount
• Claims-free discount

National General doesn't have the best reputation

Finding reliable customer reviews for RVInsurance proved challenging due to its generic name. They also do not appear to have a Trustpilot or Better Business Bureau listing. RVInsurance's reputation is less relevant than the reputation of their carriers, though, and you should know that National General has a below-average reputation. They're known for insuring higher-risk drivers, so some customers report difficulties in getting claims paid, even for seemingly straightforward cases.

You can likely do better on price

RVInsurance appears to offer the typical coverages for RVs and motorhomes. However, the lack of carrier options during the quote process and the association with National General could be a concern. While we appreciate how easy it is to get a quote online, the higher premiums for potentially less coverage suggest that RV owners might be better served elsewhere.

RV America Insurance

• Pricing: $1,019 for a 2022 Winnebago Travato with full-time usage
• Comprehensive coverage for various RV types, including towable and motorized options
• Customizable deductibles for Comprehensive and Collision coverage
• Full-Timer Coverage available
• Emergency Expense Coverage of $2,000
• Personal Belongings Coverage of $5,000 with $100 deductible
• Included Roadside Assistance with Sign & Drive coverage
• Works with multiple insurance companies to find policies across different states
• Online quote system available
• Pay-in-full discount offered

RV America Insurance Marketing, founded in 1979 in Simi Valley, California, is a specialized agency offering insurance for recreational vehicles, campervans, boats, motorcycles, and other vehicles. Since 2012, it has been operating as a subsidiary of Brown & Brown of Kentucky, Inc. They work with many insurance companies, such as Blue Sky, Safeco, Allied/Nationwide, Foremost, Progressive, National Interstate, American Modern, McGraw, Dairyland, GMAC, Mercury, MetLife, and Assurant, so they can likely find a policy for you no matter what state you live in.

Covers most RVs

RV America Insurance offers coverage for a variety of recreational vehicles, including both towable and motorized options. Their lineup includes fifth-wheel trailers, travel trailers, truck campers, pop-up trailers, and Class A, B, and C RVs.

Have all your information ready before starting online quote

When obtaining a quote from RV America Insurance, we found the process to be a little more time-consuming than some other online systems, but not unbearably so. You'll need to provide detailed information, including estimated annual mileage (we used an average of 5,000 miles per year) and purchase date. The company allows you to select your own Comprehensive and Collision Deductibles, ranging from $250 to $2,500 each. We opted for $500 for both. You'll also need to decide on liability coverage, starting at state minimums. We chose 100k/300k/50k, which is commonly quoted by other companies. It took a little while to get the email containing our quote - and it was sent by an agent we had not spoken to, with nothing in the body or subject line indicating the email was from RV America Insurance, so be sure to go through your inbox thoroughly if you're still waiting for yours.

Total Loss Replacement must be added manually

Our quote from RV America Insurance for our imaginary 2022 Winnebago Travato with full-time usage came in at $1,019, offering the following coverage:

• Comprehensive Coverage: $500 deductible
• Collision Coverage: $500 deductible
• Liability Coverage: $100,000 each person/$300,000 each accident/$50,000 property damage
• Uninsured/Underinsured Motorist: $100,000 each person/$300,000 each accident
• Personal Injury Protection (PIP): $5,000
• Full-Timer Coverage: $100,000 person/$300,000 accident
• Emergency Expense Coverage: $2,000
• Personal Belongings Coverage: $5,000 with $100 deductible
• Roadside Assistance: Included, with Sign & Drive coverage for unlimited expenses to the nearest qualified repair facility, 3 times per year

Total Loss Replacement wasn't mentioned in our quote and would need to be added separately, which would increase the premium. Just a heads-up - the wording on their website suggests this coverage might not be available if you're not the original owner of a new RV.

Not as many discounts as we expected

Regarding discounts, the only one mentioned in our quote was the pay-in-full discount. This seems limited compared to some competitors who offer a wider range of discount options - including Progressive, who was the underwriter for our quote. Otherwise, the coverage seemed pretty comparable, with RV America Insurance actually offering better coverage for Personal Injury Protection than Progressive.

Elusive reputation

Customer reviews for RV America Insurance are scarce and difficult to find, likely due to the company's generic name. The only reviews we could locate were on a Yelp page, but these were outdated and few in number. Additionally, the company is not rated or accredited by the Better Business Bureau (BBB), which may be a concern for some potential customers looking for established credibility.

Not enough information to recommend

The limited information about discounts and lack of customer reviews or BBB rating make it challenging to fully assess this company's service quality and the range of their offerings. We'd recommend checking out one of the better-known providers in our review before using RV America Insurance.

National General

• Pricing: $1,084 for a 2022 Winnebago Travato valued at $97,315
• "A+” financial strength rating from AM Best
• Offers insurance for motorhomes, Classes A-C, fifth-wheels, airstreams, and travel trailers
• Total Loss Replacement coverage available as an add-on
• Emergency Expense Coverage of $750 per accident
• Personal Belongings Coverage of $3,000
• Full-Timer Coverage available
• Multiple discounts offered, including diminishing deductibles and storage savings
• Online quote process available
• Acquired by Allstate in 2021, potentially benefiting from their resources

Founded in 1920, National General Insurance is a property and casualty insurance company based in Winston-Salem, North Carolina. In January 2021, Allstate acquired National General for $4 billion. They appear to offer RV insurance for all 50 states, although certain coverage exclusions may apply. National General has earned an "A+” financial strength rating from AM Best.

Most RVs covered, but not likely for renting to others

National General offers insurance for motorhomes, Classes A-C, fifth-wheels, airstreams, and travel trailers. We found no mention of skoolie or DIY coverage. And, if you plan to rent out your RV, make sure to check with National General first, as they could drop your coverage altogether.

Get a quote online

We were able to obtain a quote through their website for our hypothetical scenario: a 2022 Winnebago Travato, owned outright and used for full-time travel. To complete the quote process, National General requires detailed information about your RV, including its specifications, usage, ownership history, and the policyholder's personal details.

Total Loss Replacement could be added but costs a lot extra

Our quote for the 2022 Winnebago Travato, valued at $97,315, came to $1,084. Here's a breakdown of the coverage:

• Comprehensive Coverage: $1,000 deductible
• Collision Coverage: $1,000 deductible
• Liability Coverage: $100,000 each person/$300,000 each accident/$50,000 property damage
• Uninsured/Underinsured Motorist: $100,000 each person/$300,000 each accident
• Full-Timer Coverage: $100,000 person/$300,000 accident
• Emergency Expense Coverage: $750 each accident
• Personal Belongings Coverage: $3,000
• Multi-vehicle discount

National General offers Total Loss Replacement coverage as an add-on, which would cost about $400 extra for our scenario. This coverage replaces your RV with a new or comparable, never-titled RV in the first 5 model years.

Diminishing deductibles available

National General offers several discounts, including:

• Accident Free Claims Free
• Homeowner discount
• New Business discount
• Paperless discount
• Payment discount
• Diminishing deductibles
• Storage savings
• Multi-vehicle discount

Insures high-risk drivers - and avoids paying out claims

The BBB profile for National General was being updated at the time of our review, so unfortunately, we can't tell you much about how consistently they resolve complaints. However, we were able to turn up many negative experiences reported elsewhere, particularly regarding their claims department. Common complaints include difficulty getting callbacks from adjusters, rude and unhelpful customer service representatives, and slow claims processing. That may be because National General insures high-risk drivers with poor driving records - which means in order to turn a profit, they have to be skilled in evading paying out claims.

Claims Satisfaction Guarantee may have been retired

Our research indicates that at some point, National General offered a "Claims Service Satisfaction Guarantee" that waived up to $250 on your deductible if you weren't satisfied with the claims service. However, we couldn't find current information about this offer on their website, which makes us think it may no longer be an offering.

Use other options if you have them

National General offers comprehensive RV coverage with some attractive features and discounts. However, their customer service and claims handling reputation concerns us. While they might be a good fit for RV owners who have trouble finding coverage elsewhere, we're not convinced it's the best choice for those with other options. We recommend getting quotes from some other providers in our review with better track records for paying out claims.

Good Sam

• Pricing: 6-month policy for $1,058 (reduced from $1,163 with discounts) for a 2022 Winnebago Travato
• Multi-carrier agency offering potential for lower rates and wider coverage
• Coverage available for full-time RVers and weekend campers
• Storage Option allows premium reduction up to 53% during non-use periods
• Comprehensive coverage options including liability, collision, and personal belongings
• Multiple discount opportunities (Multi-Vehicle, Paid-in-Full, Multi-Policy)
• Coverage for various RV types, including motorhomes and pull-behind trailers
• Insurance protection for RV owners renting out their vehicles through Good Sam
• Tiered roadside assistance packages available (sold separately)
• "A+" rating from the Better Business Bureau

Good Sam is the world's largest community of RVers, connecting RV owners across the globe. It was launched in 1966 and began offering insurance to protect travelers against misfortune in the 1970s. (Fun fact: their name is a reference to the parable of the Good Samaritan - a clever way to allude to their organization's mission.) Good Sam is a multi-carrier agency, which means they can combine coverages from various RV insurance providers like National General, Progressive, Safeco, and Foremost to get you lower rates and coverage in most, if not all, US states.

Full-timer friendly

Good Sam offers coverage for a variety of RVs, including motorhomes and pull-behind trailers such as truck campers, toy haulers, pop up camping trailers, and more. They can insure both full-time RVers and weekend campers, and their Storage Option lets you reduce your premium up to 53% by pausing certain coverages for the months you aren't on the road. Be cautious when purchasing a policy for a DIY build - our research turned up a few instances where a customer was told their converted van was covered, only to be dropped by their underwriter at a later date.

Online quote possible, but clunky

Our experience with the Good Sam quote process was somewhat challenging. While it's nice to be able to get a quote online, we encountered persistent technical issues, like the form abruptly closing with an "Oops, we're sorry!" message (and no further explanation of the error). When we finally got through, the page would refresh every 10 minutes, requiring us to re-enter our quote number. This made the process tedious and time-consuming.

Poor pricing

When we finally did get it, our quote for a 6-month policy as the original owner of an imaginary 2022 Winnebago Travato, intended for full-time use, was $1,058, reduced from $1,163 after six applicable discounts. Did you catch that? (We almost didn't.) Good Sam charges the same price for a 6-month policy as many other providers charge for an annual policy. On top of that, Good Sam estimated our RV's worth at around $97,000, significantly lower than one major insurer's estimate of $125,800.

Decent coverage

For $1,058, our quote included:

• Comprehensive Coverage: $1,000 deductible, covering losses such as fire, theft, vandalism, and falling objects. Losses through Good Sam are settled on an Actual Cash Value basis unless eligible for Total Loss Replacement Cost coverage.
• Collision Coverage: $1,000 deductible, covering loss to our vehicle caused by collision with another vehicle or object. Like comprehensive, it's settled on an Actual Cash Value basis unless eligible for Total Loss Replacement Cost.
• Liability Coverage: Bodily injury limits of $100,000 per person/$300,000 per accident, covering injuries to others caused by our vehicle. Property damage limit of $50,000 per accident, covering damage to others' property.
• Full-Timer Coverage: Included with limits of $100,000 per person/$300,000 per accident.
• Emergency Expense Coverage: $750 per accident. (A bit low, considering some insurers included $2,000 worth of this coverage for a lower overall price.)
• Personal Belongings Coverage: $3,000 for personal property used with our RV.

Uninsured/Underinsured Motorist coverage and Personal Injury Protection were available but would have brought up the price of our quote to add them.

Plenty of discounts available

Good Sam advertises several discounts, including:

• Multi-Vehicle Discount (up to 20%)
• Paid-in-Full Discount
• Multi-Policy Discount (up to 10%)
• Storage Option (potential savings of 53%)
• Discounts for safety and anti-theft devices
• Safe driver discount

Other discounts you may qualify for include Accident Free Claims Free, Homeowner Discount, New Business Discount, Original Owner Discount, and Paperless Discount.

Coverage for renting out your RV when you do it through Good Sam

If you're planning on renting out your RV to make some money while you're not driving it, good news! Good Sam offers insurance protection for owners, and they can help you list your RV, too. When you rent out your RV through Good Sam, you'll automatically get up to $1 million in liability coverage for free during the rental period. This covers damage to the outside of your RV from accidents, but not inside damage or normal wear and tear. Renters have to choose from three insurance packages, but their choice doesn't affect your protection. Your personal insurance will be secondary to Good Sam's during the rental. The secondary coverage starts when you hand over the keys and ends when you get them back. If you're delivering the RV, your personal insurance covers you during transport. If there's damage, you need to contact Good Sam within 48 hours and provide details like photos and rental forms.

Roadside assistance is sold separately

Good Sam offers tiered roadside assistance packages, starting at $64.95 annually. The basic package includes unlimited distance towing (with potential additional fees), North America-wide coverage, tire service, and access to certified RV technicians. Higher-tier plans (Platinum at $79.95, Platinum Complete at $119.95, and Platinum+ at $219.95) offer additional benefits such as coverage for multiple RVs, Tire & Wheel Road Hazard coverage, Emergency Travel & Medical Assistance, and coverage for all owned, rented, or borrowed vehicles. These plans also include perks like discounts on rentals, hotels, and restaurants - great for frequent travelers. For the peace of mind that it offers, an annual fee of under $300 sounds like a pretty good deal to us... at least on the surface.

Roadside assistance dispatch is... patchy

Under the surface, it appears to be a different story. We dug into reviews of Good Sam's roadside assistance around the web, and according to our research, the service often fails to deliver on what it promises. We found consistent reports of long wait times, unreliable dispatching, and difficulty getting the promised assistance. In one instance, a customer's camper blew a tire. Despite contacting Good Sam, who provided the name of a repair company and an estimated arrival time, the tow company had never been contacted by Good Sam and didn't even contract with them. The customer ended up changing the tire themselves with the help of a highway patrol officer. So, while Good Sam's roadside assistance looks appealing on paper, be aware that your real-world experience may not live up to the company's claims.

Not our top choice

Good Sam's RV insurance options are "just okay” at best. While they offer coverage for various RVs and tout numerous discounts, they're expensive, their quote process is a little clunky, and their roadside assistance is downright unreliable. Because they're a broker juggling multiple underwriters, it's hard to give you a clear idea of what to expect when filing a claim with Good Sam. Savvy RV owners should double-check what other customers have to say about experiences with those underwriters before making the decision to purchase a policy through Good Sam.

Liberty Mutual

• Pricing: Not specified; quotes available by phone
• Strong financial ratings ("A” from A.M. Best, "A2” from Moody's, "A” from Standard & Poor's)
• Comprehensive coverage available
• Uninsured/underinsured motorist insurance offered
• Agreed value for total loss replacement
• Roadside assistance for RVs
• Class B motorhomes covered under auto insurance policies
• Other RV types covered through sister company Safeco
• Potential auto discounts (multi-policy, claims-free, online purchase) may also apply to RV policies

Liberty Mutual is a well-established insurance provider with strong financial ratings, with an "A” rating from A.M. Best, an "A2” rating from Moody's, and an "A” rating from Standard & Poor's. These ratings indicate excellent financial stability and ability to meet policyholder obligations. The company also has an "A-" rating from the Better Business Bureau.

Website is incredibly vague about RV insurance

Liberty Mutual's website is frustratingly vague about their RV insurance offerings. They have an informational page answering questions like "What does RV insurance cover?" but their answers are generic - discussing what most RV insurance policies include, rather than what their specific policies cover. This lack of clarity initially made us wonder if Liberty Mutual was a broker, but they're not. Their RV insurance landing page reads like SEO-optimized content without providing any actual helpful information about their own products. They don't even specify which types of RVs they're equipped to insure.

Getting a quote from Liberty Mutual for RV insurance is not straightforward

Perhaps unsurprisingly, there was no option to obtain a quote for RV insurance through Liberty Mutual's website. And because they offer so little information that we couldn't even make inferences about what their policies cover, we had to call them directly. This lack of transparency and online accessibility will be frustrating for potential customers who prefer to research and compare options online without picking up the phone.

Liberty Mutual's RV coverage information is limited, unspecific

Through talking to an agent over the phone, we learned that Class B motorhomes are covered under Liberty Mutual's auto insurance policies. (This raised our eyebrows because a motorhome isn't just a car - you've got belongings in there that need coverage!) For other RV types, Liberty Mutual uses their sister company, Safeco, to handle specialty RV policies. Unfortunately, they don't cover full-time RVers or DIY builds, which will rule them out for many RVers seeking coverage.

Liberty Mutual offers some standard RV insurance features

During our phone conversation, we made sure to ask some key questions for those still considering Liberty Mutual, despite their apparent deprioritization of RV insurance as an offering. We learned that they offer comprehensive coverage and uninsured/underinsured motorist insurance. They also pay out the agreed value for total loss replacement, which means if your RV is totaled, you'll receive the full agreed-upon value rather than a depreciated amount. This would be particularly beneficial for owners of newer or high-value RVs.

Liberty Mutual may offer various discounts

While Liberty Mutual lists several discounts for auto insurance, including multi-policy, claims-free, and online purchase discounts, it's not specified if these apply to RV policies, although our conversation with a representative indicated they might.

Liberty Mutual does offer roadside assistance for RVs

Liberty Mutual claims their roadside assistance works as well for RVs as it does for regular auto policies. However, that's hard to verify without reading real customer experiences, and these are difficult to find, if they exist online at all.

Customer reviews for Liberty Mutual's RV insurance are scarce

This lack of customer feedback makes it challenging to assess the real-world experience of RV owners with Liberty Mutual's RV insurance policies. The scarcity of reviews might indicate that Liberty Mutual is not a primary choice for many RV owners, possibly due to their limited focus on this market segment.

Liberty Mutual's RV insurance offerings seem to be an afterthought

While the company has strong financial ratings, the lack of transparency and limited information about RV-specific coverage make it difficult to recommend Liberty Mutual as a top choice for RV insurance. For RVers, especially those planning full-time RV living, other insurance providers that specialize in RV coverage will be more suitable. We suggest exploring your options with our higher-ranked companies, which offer more comprehensive information and are oriented specifically towards RV owners.

State Farm

• Annual premiums potentially under $1,000 for motorhome insurance; travel trailer insurance minimum over $125
• Coverage for various RV types including Class A, B, C, B Plus, and Super C motorhomes
• Separate insurance options for travel trailers and campers
• Standard coverage includes bodily injury, property damage, collision, and comprehensive protection
• Emergency road service included in coverage
• Personal Articles policy available for protecting personal belongings
• Coverage extends to RVs in storage
• Offers both motorhome and travel/camping trailer insurance
• Well-established company with a long history in the insurance industry

State Farm, a well-known insurance provider, offers RV insurance as part of its vehicle coverage options. However, recent financial changes have affected the company's standing. In March 2024, AM Best downgraded State Farm's Financial Strength Rating from "A” (Excellent) to "B” (Fair). This change suggests some financial instability within the company, which can impact their ability to pay out on claims.

Separate insurance for travel trailers

State Farm insures a variety of RV types, including Class A, B, C, B Plus, and Super C motorhomes, as well as truck and van campers. Their website says you can likely get an annual premium for under $1,000 for this type of policy. They also offer separate insurance for travel trailers and campers, covering fifth wheels, teardrops, overlanding vehicles, popup campers, and standard travel trailers. They say your annual minimum could be over $125 for this kind of policy, though they make no mention of the price of a premium. (The minimum refers to the lowest possible cost for basic coverage, while the premium is the actual amount you pay for your chosen level of coverage, which is typically higher than the minimum and varies based on factors such as the type of RV or trailer, your driving history, and the extent of coverage selected.)

No online quotes

To get an RV insurance quote from State Farm, you'll need to enter your zip code on their website and select an agent in your area. You can then email, call, or visit the agent's website - but it's not possible to complete the process online. We found this to be inconvenient; at the very least, it would be helpful if you could submit your background information through an online form and then receive a call back to discuss your options, rather than having to provide all that information over the phone. We did not receive a prompt response back from the agent we emailed.

Standard coverage

At least State Farm's coverage appears to be thorough enough. Their website says that their standard RV coverages can include protection for bodily injury (including for uninsured drivers), property damage, collisions, and comprehensive coverage for events like theft or fire. They also provide emergency road service, and you can add a Personal Articles policy to protect the items you travel with. The coverage for travel/camping trailer insurance is similar. Without specific pricing information available online, though, it's challenging to compare State Farm's rates with other providers. And, since insurance rates are influenced by so many individual factors, you'd still need to contact an agent directly to get an accurate understanding of their offerings and whether they meet your unique needs.

Discount info not available online

State Farm doesn't openly advertise their RV insurance discounts on their website. You'll need to speak with an agent to learn about potential savings opportunities, which isn't as convenient as providers who list their discounts upfront.

Customers are finding it more difficult to get reimbursed for claims

Customer reviews for State Farm are contradictory, which isn't uncommon when it comes to RV insurance companies. In a Reddit thread, one person says filing a claim for a new roof was easy, and the very next person in the thread says State Farm "rewrote the English dictionary” to avoid paying out. The Better Business Bureau (BBB) gives State Farm a "C-" rating, indicating a higher-than-average number of unresolved customer complaints. Many of these complaints relate to claims still under review, which does align with predictions of the implications of their Financial Strength rating's recent downgrade.

Challenges for California policy holders and current customers

What's more, State Farm has recently made significant changes to its policies, particularly in California. The company has decided not to renew 72,000 policies in the state, spanning both commercial and personal property lines. State Farm also anticipates a considerable reduction in the number of policies they offer over the next five-year period, which could mean pursuing a quote from them is a dead-end, especially if your RV has any non-standard aspects (like a DIY build). Additionally, these changes could potentially result in increased premiums for existing customers and might continue to escalate challenges in processing future claims as the company strives to enhance its financial position.

We wouldn't recommend wasting your time

While State Farm has a long history in the insurance industry, these recent financial downgrades and policy changes are concerning. Their lack of online quote options and limited transparency about discounts are frustrating. If you're still considering State Farm for RV insurance, you should speak directly with an agent to get a clear picture of your coverage options and costs. Given their current financial situation, though, it might be wise to prioritize comparing offers from providers ranked higher in our review before jumping through the hoops of State Farm's quote process.