RV and motorhome insurance for the road and the campsite
An RV is a vehicle on the highway and a home at the campground. Auto coverage alone does not account for both. We compare carriers that write motorhomes and towables, whether you take a few trips a year or live on the road.
Motorhomes, travel trailers, fifth wheels and toy haulers
Coverage for every kind of RV
Class A motorhomes
The largest motorhomes, built on a bus or heavy truck chassis, often with high values and custom equipment.
Class B camper vans
Van-based motorhomes, including high-end conversions with solar, lithium batteries and custom builds.
Class C and Super C
Truck-chassis motorhomes with a cab-over bunk, popular with families and first-time owners.
Travel trailers
Bumper-pull trailers in every size, from compact campers to large family trailers.
Fifth wheels and toy haulers
Larger towables with in-bed hitches, including toy haulers with rear garages for bikes and UTVs.
Truck campers and pop-ups
Slide-in campers and folding trailers, often insured alongside the truck that carries or tows them.
What an RV policy can cover
Coverage names and availability vary by carrier and by whether the RV is motorized or towed.
Liability
Injuries and property damage you cause while driving a motorhome. For towables, driving liability generally comes from the tow vehicle's auto policy, so check that it is adequate.
Uninsured / underinsured motorist
Your injuries when the at-fault driver has no insurance or not enough.
Medical payments / PIP
Medical bills for you and your passengers after an accident, depending on the policy and state.
Roadside assistance
Towing to a repair facility, tire changes, fuel delivery and jump starts. Make sure the provider can tow a vehicle your size.
Collision and comprehensive
Damage from accidents, theft, fire, wind, hail, falling trees and vandalism, subject to your deductible.
Total loss replacement or agreed value
Options some carriers offer that pay to replace a newer RV, or pay an agreed amount, instead of depreciated actual cash value after a total loss. Eligibility rules apply.
Attached accessories
Awnings, satellite dishes, solar panels and other added equipment, which may need to be scheduled or carry a separate limit.
Personal belongings
Clothing, electronics, bikes and gear kept in the RV, up to the limit you choose.
Vacation or campsite liability
Liability for injuries to others around your RV while it is parked and used as a temporary residence.
Full-timer coverage
Broader, homeowners-style liability and medical coverage for people who live in their RV as a primary residence.
Emergency expense
Lodging, meals and transportation if a covered loss leaves the RV unusable far from home, up to a set limit.
How RV claims happen
Round, illustrative numbers. Whether and how a loss is covered depends on your policy.
A neighbor trips over a leveling block
At a state park, a neighboring camper trips over your leveling equipment in the dark and breaks a wrist.
- Medical bills$22,000
- Lost wages$8,000
- Settlement and defense$10,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Where RV coverage often falls short
Full-timers on a recreational policy
If you live in your RV, tell the carrier. A recreational policy may not include the liability and belongings coverage a full-time home needs.
Actual cash value on a newer RV
RVs can depreciate quickly. Without a replacement or agreed value option, a total-loss payout may be less than the loan balance.
Accessories and upgrades
Solar, lithium batteries and custom interiors can exceed default limits. List them so they are covered.
Renting it out
Peer-to-peer rental is usually excluded from a personal RV policy. You need rental-specific coverage, through the platform or a separate policy.
Request your RV insurance quote
Tell us about the RV, how you use it and the coverage you want. We compare carriers and come back with options.
- Motorhomes and towables
- Full-timer and seasonal use
- Bundles with home, auto and umbrella
Have a declarations page from your current policy? Email it to info@firstunderwriters.com and we will match or improve the coverage.
RV and motorhome insurance FAQ
Do I need RV insurance for a travel trailer?
Is RV insurance the same as auto insurance?
What is full-timer coverage?
Can I lower my premium when the RV is in storage?
Does my policy cover me in Canada or Mexico?
What affects RV premiums?
Ready for the next trip?
Share a few details and we will compare RV policies across carriers.
Coverage descriptions are general summaries for education. They are not legal or coverage advice, a statement of coverage, an offer or a binder. Scenarios and dollar figures are illustrative examples. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policy issued, vary by carrier and state, and are subject to underwriting.