The Best Insurance for RVs

You can’t go wrong with RV insurance from Foremost, America’s first mobile home insurance provider. The company provides top-notch protection to full- and part-time occupants alike while supporting a full range of RV types such as travel trailers and motorhomes.

Robust Baseline RV Coverage

Foremost RV insurance combines a significant amount of coverage under a single policy. The company’s baseline motor home policy includes:

• Towing and roadside assistance: Whether you need towing, jumpstarts, or a locksmith, Foremost’s robust roadside assistance coverage will cover your RV in emergency situations.
• Vacation liability coverage: If you use your RV for recreational purposes, Foremost covers you when you are parked and using it as a dwelling.
• Personal property replacement cost coverage: This coverage protects your personal belongings in your RV if they are damaged or stolen. Note that this is different from comprehensive coverage for auto theft, as this only applies to your RV and its parts, not your personal belongings.
• Emergency expenses coverage: Foremost pays for lodging if your rig is damaged or destroyed in a covered loss that occurs at least 50 miles from home.

Foremost’s baseline RV insurance should meet the needs of most part-time occupants, making it an easy choice for many owners.

Optional RV Add-Ons

If you want more protection, or if you live in your RV full time, Foremost offers a full range of add-on coverages:

• Total loss settlement: Similar to gap insurance coverage, this add-on will replace your RV with a brand-new equivalent unit in the event of a total loss, whereas typical policies only pay the actual cash value for damages.
• Other-than-collision coverage: Foremost’s unique other-than-collision coverage applies to direct and accidental losses including fire, flood, hail, collisions with animals, theft, and earthquakes. Additionally, it covers permanently-attached structures to your RV, like awnings or satellite dishes. Other-than-collision coverage is comparable to comprehensive coverage that you can buy with traditional car insurance.
• Comprehensive liability coverage: If you live in your RV full-time, you’ll need to add Foremost’s comprehensive liability coverage to your insurance policy. Such coverage provides liability protection similar to what you would get with homeowners insurance, meaning it pays for bodily injury and property damage claims resulting from an at-fault incident in your RV.

Safe Equipment and Multiple Policy Discounts

Farmers Insurance owns Foremost, which serves as its specialist for non-standard coverage. If you already have a policy from Farmers or plan to get one, Foremost is an easy choice for RV insurance. By consolidating policies, you’ll unlock a multipolicy discount, which applies across Farmer’s owned brands.

Additionally, you’ll earn more discounts if you have safety features in your RV. For instance, if you have factory-installed airbags, anti-lock brakes, or sway protection, you can receive discounts on your Foremost premiums. You may already have these features installed, so be sure to list them all when you get a quote.

Known for its policies for high-risk drivers, National General provides best-in-class RV insurance at affordable rates.

Bundle Your National General Policies

You can earn significant savings by combining your coverage for other vehicles under National General policies. National General offers an impressive array of other insurance types, including the following:

• Homeowners
• Condo
• Renters
• Health
• Accident
• Personal auto
• Motorcycle

Bundle any of these options to save big on National General RV insurance. With a multivehicle discount, you may be able to save up to 20 percent per year.¹

Not only will you save money, but you’ll also avoid the hassle of managing multiple policies. Consolidation can simplify the claims process, as well; if two or more of your vehicles get into the same accident, you’ll make a single claim and pay a single deductible, saving you money in the long run.

Discount for RVs in Storage

Do you leave your RV in your garage, driveway, or some other storage for significant amounts of time while you’re not using it? If so, National General’s storage discount can save you money.

The discount automatically suspends unnecessary parts of your coverage while you store your RV. Even if your RV qualifies for the storage discount, it remains covered against threats like fire and theft, much like the comprehensive coverage you might buy for your regular car. You just won’t pay full price for your coverage while you’re not on the road.

Be aware, however, that National General does not protect your RV against collisions with other vehicles while in storage. If you are worried about dings from other RVs while in storage, consider carrying collision coverage for the full year.

Specialty Coverage for High-Risk Drivers

National General believes in second chances. The company has you covered if you have a history of DUIs and need an SR-22 or FR-44. Many states require such forms to prove you have the proper amount of insurance coverage given your spotty driving history. National General is a top provider of insurance for high-risk drivers — just be aware that you may need to take a safe driving and/or substance use therapy course to be eligible for coverage.

If you live in your RV for over six months out of the year, Progressive should be a top choice for insuring your vehicle with its full suite of liability coverages.

Stay Covered in Emergencies

Progressive’s comprehensive and collision coverages protect your RV in the event of physical damage from both acts of nature and accidents.

You can add Progressive’s RV Roof Protection Plus coverage as well, which covers the cost of both wear-and-tear and accidental damage to the roof. This coverage even protects against damages that a malfunctioning roof can cause to other parts of your RV.²

Be aware that all of the above coverages come with a deductible that you must pay before Progressive will begin covering your repairs.

If you get into a covered RV accident more than 50 miles from home, Progressive will pay for your transportation and housing costs for up to $2,000. This coverage will help pay for hotel and rental car costs while your RV is in the shop as well. And if your RV is totaled in an accident, Progressive will replace it with a comparable model, even if that costs more than what you paid originally.

Full-Timers Coverage

Most recreational RV policies include vacation liability coverage, which covers you for injury or damages that occur on short trips. This is perfect for those that use their RVs occasionally for family vacations.

If you live in your RV for more than six months in a year, however, many companies consider you a full-timer. You’ll need to purchase full-time RV insurance, which covers you and your guests against liabilities and injuries in a similar way that homeowners insurance protects visitors to your home.

Progressive’s full-time RV insurance includes the following.

• Personal liability insurance: This pays for property damage and injuries that you are responsible for from an incident that occurs while you are parked (for example, if someone trips and falls while entering your RV due to a faulty staircase).
• Medical payments: Medical payments coverage covers medical expenses for anyone injured in or near your parked RV.
• Loss assessment: This covers repairs to common areas or other property in the area where you park your RV.

Note that these coverages kick in when your RV is parked. If an accident occurs while you are driving, then your recreational RV insurance policy will provide coverage.

Loyalty Discounts

Sometimes you can save by sticking to a single insurance provider for a longer period of time. Progressive provides a variety of discounts that reward loyalty to the company:

• Accident forgiveness: From the moment you start your coverage, Progressive forgives accidents with claims of $500 or less automatically, meaning your rates won’t increase after a small accident. Once you’ve spent at least four accident-free years as a Progressive RV insurance customer, your rates will not go up after an RV accident of any size.
• Disappearing deductible: After each year on your RV policy with zero claims, Progressive will reduce your deductible by 25 percent. This discount applies year after year, meaning you can reduce your deductible almost all the way down to $0!
• Claim-free renewal: Each time you renew your Progressive RV policy, you’ll get an automatic discount on your rate if you have zero at-fault claims.
• Multipolicy discount: You’ll get a discount when you bundle other types of Progressive policies like homeowners, motorcycle, or boat insurance.

Auto-Owners is a lesser-known brand, but RV owners who live in its coverage areas can benefit from its low premiums and top-notch customer service.

Roadside Assistance for Your RV

Auto-Owners’ Road Trouble Service covers you in the event of minor mechanical malfunctions on the road. Whether you have a flat tire, a dead battery, or an empty gas tank, Auto-Owners will dispatch a certified mechanic in the area who will come help. This is a useful perk for drivers who don’t have AAA or another roadside assistance program. Road Trouble Service is available across the United States and Canada, 24 hours a day, seven days a week.³

Older Drivers Save More

Auto-Owners offers two discounts for older RV drivers.

• Mature drivers discount: This rewards RV owners who don’t list anyone younger than 25 on their insurance policies. You’ll save more the older you are, especially if you have a spotless driving history.
• Driver safety program discount: This applies to drivers over the age of 50. If you have any drivers on your policy who are over 50 years old, they can complete a driver safety program in their home state. Once they receive a certificate, they’ll receive a discount on their Auto-Owners policy.

Highly Rated Customer Service

Auto-Owners is known for quality customer service. Out of all the car insurance companies on our list, Auto-Owners received the highest J.D. Power Customer Satisfaction rating: 900 out of 1,000, in part due to Auto-Owners’ ability to pay out claims quickly and efficiently.⁴

Auto-Owners partners with independent insurance agents that specialize in RV coverage. The company processes claims quickly, meaning that after an incident, you won’t have to wait long to receive the money you need. This combination of personalization and speed makes Auto-Owners a top choice for customer service.

Nationwide’s RV insurance is best when you combine it with the company’s other offerings such as pet, travel, ATV, and motorcycle insurance.

Discounts for RV Expertise

Nationwide provides two relevant discounts for people that take RV knowledge and safety seriously. You can save on your premium when you complete a state-approved RV safety course. For instance, you can take the RV Safety and Education Foundation’s RV Foundations Workshop, a three-day technical and lifestyle class that costs about $200.⁵

Additionally, you may qualify for discounts if you belong to an RV club such as the National RV Owners Association.⁶ Nationwide’s RV discounts are great ways to turn your passion for campers into direct savings on your RV insurance.

Options for Different Types of RVs

Different types of RVs require different levels of coverage. Nationwide offers RV insurance for multiple types of campers, including those listed below:

The cost and coverage needs for each type of recreational vehicle depend on its size, features, age, and history. For accurate results, report the type of camper you own when you request an online quote.

Save Big by Bundling

Consolidate your insurance policies with Nationwide to unlock big savings on your RV insurance premiums. Nationwide has a wide range of insurance options:

You can stack discounts based on multiple policies as well as multiple vehicles within a policy, all the way up to 20 percent off your original premium.