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https://money.com/best-rv-insurance/
Coverage when you rent your RV, without a commercial policy
Partners with top insurance companies such as National General, Progressive, and Safeco Insurance
Offers 24/7 claims support
A comparison-shopping marketplace that offers quotes from multiple providers
Coverage for adventure vehicles
Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis consider customer satisfaction, financial stability, coverage options, and availability, among other factors. We reviewed 15+ companies, conducted over 1,000 hours of research on coverage, available discounts and customer satisfaction from third parties and regulatory agencies.
Read the full methodology to learn more.
Why we chose it: Progressive is our best RV insurer overall for its competitive catalogue of RV insurance products as well as its available discounts, which offer plenty of opportunities to save money, including the rare combination of disappearing deductibles and accident forgiveness.
While it costs extra, Progressive’s diminishing deductible benefit allows you to reduce your deductible by 25% every time you renew your policy without filing a claim or getting a traffic violation. After several claims-free periods, RV owners can get their deductibles down to zero. The benefit is automatically included at no cost when you purchase comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for a claim of $500 or less is also included at no cost — this means your premium won’t increase if you file a claim of $500 or less for your first “at fault” accident.
Why we chose it: Auto-Owners Insurance has an impressive customer service record. The insurer has fewer complaints with the National Association of Insurance Commissioners (NAIC) than most of its competitors.
Auto-Owners Insurance is also one of the few insurers with a B grade in Crash Network’s 2024 Insurer Report Card. For this survey, repair shops nationwide evaluate whether insurers prioritize quality repairs and good customer service for motorists. Most major insurers in the U.S. got a grade of C+ or less.
Why we chose it: Most RV insurers offer discounts, but Nationwide’s list is notably extensive. The insurer offers over 10 different discounts including discounts for staying claims-free and installing safety devices, like smoke detectors.
Beyond standard home, car and life insurance bundles, Nationwide offers unique opportunities to save money. You can get a premium discount for taking safety courses, joining an RV organization like the National RV Association and paying your annual policy upfront. Nationwide will also reduce your premium if you’ve insured your RV with another provider and maintained continuous coverage. Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process.
Why we chose it: National General offers a generous purchase price guarantee during the vehicle model’s first nine years on the market. Other insurers don’t offer this if the vehicle is more than five years old. This optional benefit reimburses the customer up to the original cost of the vehicle if it’s stolen or totaled. RVs are also eligible for full replacement cost coverage during their first five model years, regardless of ownership (some companies limit this benefit to original owners).
Why we chose it: Good Sam Insurance Agency a great option for people who want to compare policies from multiple providers on a single platform and with the help of licensed agents who can match you to the right company.
Good Sam is an independent agency that partners with well-known insurers like Progressive, Foremost, Safeco and National General — all of which offer RV insurance policies that can suit the needs of most RV owners, whether they just use the vehicle for seasonal travel or intend to live in it. The company also collaborates with MexicoInsuranceOnline.com to connect clients to Mexico-based insurers that offer add-ons for cross-border travel, whether for single-day trips or extended stays.
Why we chose it: Most insurers decline to insure you and may even drop your coverage if you rent the vehicle to someone else. With Roamly, you can rent out your RV and the company won’t cancel your coverage.
You can keep your original insurance policy and pay for specialized rental policy that covers you during the rental period through a platform like Outdoorsy (owned by Roamly). You don’t have to notify Roamly that you’re renting out the RV or pay any additional rental fees (something other insurers may charge). Once the rental period is over, Roamly will resume your regular coverage.
During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to seven companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.
RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence. The agency works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.
Why we didn’t pick it: Though RVinsurance.com partners with reputable insurers it didn’t stand out when compared to similar RV insurance agencies.
AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics.
Why we didn’t pick it: AAA didn’t make our list because coverage information isn’t readily accessible. You also have to be a member, which costs anywhere from $65 to $125 annually.
Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy.
Why we didn’t pick it: Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited. That said, RV owners interested in Allstate insurance can check out National General, an Allstate company and one of our top picks.
Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability).
Why we didn’t pick it: Geico’s policies aren’t available nationwide, and its website lacks crucial details, such as available discounts.
Specialized RV insurance coverage combines the benefits of auto insurance and homeowner’s insurance policies to cover the most common challenges you may face as an RV owner. Those include mechanical failure, inclement weather, theft or damage to the vehicle or your belongings, and even emergency lodging and transportation if you lose access to your RV while traveling.
Read on for a detailed breakdown of the coverages and costs as well as tips on how to select the best policy.
People who use their motorhomes for weekend getaways or periodic vacations should at least have basic liability coverage that meets their state’s minimum requirements.
For added peace of mind, part-time RVers may also want:
Full-time RVers may want to add the following to their base policy:
RV insurance won’t cover the following:
As when insuring a car, the cost of RV insurance depends on the owner’s driving record, the type of vehicle, its age, condition and features, and how much you use it.
According to data published by Progressive, an annual policy for a travel trailer costs $600. This includes liability, comprehensive and collision coverage. The same coverage for a motorhome costs a little over $1,000. If you’re taking out a liability-only policy, the average premium is much lower, at about $125 per year.
The cost of your RV insurance policy depends on these factors:
Here are some tips on how to find and purchase the right RV insurance coverage for you.
Take stock of how you use your RV and what you want to protect. People who live in their RV full time have different insurance needs than occasional users or people who rent out their vehicle.
If you’re renting an RV, you’ll need an insurance policy specifically designed for that purpose. You can get it through the rental company or your auto insurer. Your existing auto policy may also provide some rental RV coverage. However, it may not apply in certain states or for trips over 30 days, so check with your insurer.
For the best rates, compare quotes from multiple insurers using an online marketplace or by consulting an independent insurance agent.
It also pays to shop around when the policy’s renewal comes around, especially if no loyalty discounts have yet kicked in, and if your premiums have risen from the previous year.
During this step, it’s important not to withhold details from your insurance provider. For instance, you might get a cheaper premium by not disclosing that you plan to live in the RV, but if you were to file a claim and the insurer discovered that you misrepresented information, they could reject the claim and cancel your coverage.
Insurers offer several opportunities to lower your premium rate. There are discounts for installing safety features, staying accident-free for at least three years, storing your vehicle seasonally and more.
You can also snag a lower rate by bundling your RV policy with your home or car insurance. Bundling also helps you avoid the hassle of dealing with different companies when you have to file multiple claims – for, say, weather damage to your home and vehicles.
You need a temporary RV rental policy that covers the guest. This policy provides liability and medical payments coverage if the renter is responsible for property damage or injury to others. You can also add collision and comprehensive coverage to protect the RV itself.
If you rent out your vehicle through platforms like Outdoorsy and RVshare, you may not have to buy extra coverage — the company requires renters to buy insurance that will cover your RV.
Hikes in auto insurance premiums may have slowed down in 2024, but drivers still chose to shop for lower-priced policies. The number of people shopping for automotive insurance increased by 6% compared to the previous year, according to J.D. Power’s Insurance Shopping Study.
More insurers are offering usage-based insurance (UBI) programs to auto owners. There are only a handful of RV “pay-per-mile” programs, which are a type of of UBI policy. But the increasing availability for car owners might signal a future shift in how premiums for all motor vehicles — including RVs — are determined.
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