Tuesday, April 22nd
2025 RV Insurance Reviews
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.
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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.
RV Insurance FAQ
Continued from above...
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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