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The Best RV Insurance Companies of 2023

Whether the rv is for quick trips or extended stays, vehicle owners may want to check out these top picks of the best rv insurance companies before they hit the road..

By Sara Coleman | Published Apr 25, 2023 10:46 AM

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best deal on travel trailer insurance

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Recreational vehicles are a popular purchase, and for good reason. Whether an RV owner is traveling alone or with the family, an RV offers flexibility and freedom on the open road or to a campsite. With the increasing amount of interest in owning an RV, and some folks even opting to live in their RVs on a full-time basis, there is also a need to protect this extended living space.

Owning an RV is a big investment, and careful consideration should be given to protect it, just as someone would their home or auto. Regardless of whether an RVs a few thousand dollars or hundreds of thousands of dollars, an RV insurance policy can provide peace of mind and additional financial resources in the event an RV is stolen or sustains damage during a covered event. We’ve compared multiple providers to find the best RV insurance company and what to look for when choosing a policy.

  • BEST OVERALL:  Progressive
  • RUNNER-UP:  Roamly
  • BEST DEDUCTIBLE OPTIONS:  National General Insurance
  • BEST DISCOUNTS:  GEICO
  • ALSO CONSIDER:  Auto-Owners Insurance

The Best RV Insurance Companies Option

What to Consider When Choosing One of the Best RV Insurance Companies

There are numerous points of consideration when choosing the best RV insurance companies, including the availability of coverage through each company’s service area, coverage options—such as standard policy terms, extra endorsements, and add-ons—and coverage limits included with RV insurance. Cost factors are important considerations as well, so it may be worthwhile to evaluate premiums, discounts, deductibles, and other factors that could impact the overall cost of RV insurance. RV owners may also want to weigh factors impacting the customer experience, such as the quote process, what’s involved in filing a claim, and how customer service inquiries are handled.

Service Area

Not all insurance providers offer RV coverage, and if a provider does offer it, it may not be offered in every state. Before digging into coverage options and other details, RV owners may want to first check that each company they’re considering offers this type of insurance in their area. Another aspect of RV coverage and service area to consider is the type of RV insurance, since RVs fall into a few different categories based on their function. The main RV classes are:

  • Class A: These are the largest of the motorhomes, usually spanning 20 to 25 feet, and are often built on a bus chassis.
  • Class B: Typically referred to as camper vans or sleeper vans, these are smaller than Class A vehicles and are built on a vehicle chassis, yet they often have amenities such as small kitchens and sleeping quarters.
  • Class C: Built on a truck chassis, these units are smaller compared with other RVs and do not typically include all the amenities of a Class A motorhome.
  • Towables or trailers: Travel trailers require towing from another vehicle and are often used to haul items. Meanwhile, a towable RV (sometimes referred to as a fifth-wheel camper) offers the capacity of a full-size camper van but needs to be towed by another vehicle, often a pickup truck.

Before selecting a company, it’s important to confirm the provider offers coverage in the RV owner’s area and for the type of motorhome or travel trailer purchased.

Coverage Options

The coverage options are an essential component of an RV insurance policy because they detail what the provider will cover should the worst-case scenario occur with the RV. It also has a significant impact on the cost of the policy.

Most policies include the following coverage options, which are quite similar to auto insurance coverage:

  • Bodily injury liability: Provides coverage for third-party injuries if the RV driver is at fault.
  • Property damage liability: Covers damage to property or other vehicles if the RV driver is at fault.
  • Collision: Pays to repair damage to the policyholder’s RV due to an accident, regardless of fault.
  • Comprehensive: Covers damage to the RV if it’s caused by a covered event separate from a traffic accident, such as vandalism or storm damage, or the theft of the vehicle.
  • Uninsured motorist: Provides coverage when the RV is damaged or the RV driver or a passenger is injured due to an accident, and the at-fault party does not have insurance (or sufficient insurance) to cover the damages.
  • Medical payments : Pays for the medical bills of the driver and any passengers if the RV is involved in an accident, regardless of fault.

Another popular endorsement available as an optional add-on includes roadside assistance and towing and labor, which can provide assistance if the RV breaks down, experiences a flat tire, needs to be towed, or even if the driver locks the keys inside. Vacation liability coverage is another worthwhile option, which offers liability coverage if someone is injured near or inside the RV while it is parked at a campsite or at another location away from the owner’s primary residence. Full replacement cost coverage pays to replace the RV and any personal property inside if a covered loss occurs and doesn’t deduct for depreciation. This coverage also extends to any RV accessories or personal property, whether it’s one of the best RV mattresses or one of the best sewer hoses . Travel trailer insurance may also be available for non-motorized tow-behind homes, and it can provide coverage for damage to the trailer and its contents.

Full-Timer Vs. Part-Timer Coverage

Another consideration for RV insurance is whether the owner needs full-time or part-time coverage. Full-time coverage is designed for those who live in the RV on a regular or full-time basis. This coverage needs to include enough personal property coverage for all of their belongings in the event of theft or extensive damage. A full-timer may also consider adding emergency expense or loss of use coverage, which provides some reimbursement if alternate living arrangements are needed (including hotel and food expenses) while the RV is being repaired or replaced.

An RV owner who uses the vehicle on a part-time basis, such as for camping or taking occasional road trips, may not need the same type of robust coverage as a full-timer. For instance, part-timer coverage may have lower coverage limits than a full-timer RV insurance policy, which would likely result in lower insurance rates.

Coverage Amount

The coverage amount, or limit, is the maximum amount of coverage the RV insurance policy offers in the event of theft or damage to the RV. One of the most important aspects of a policy is whether the coverage is substantial enough so the RV owner doesn’t have to pay out of pocket in the event of a theft or a covered loss.

For example, personal property coverage is a category that requires the RV owner to carefully consider how much coverage they need to choose. A part-timer may not keep as many valuable possessions in their RV, but someone who uses their RV on a full-time basis may have significantly more valuables (and more personal property in general) kept in the RV, so they could benefit from a higher limit on personal property coverage.

Quote Process

The RV insurance quote process is another factor worth taking into consideration when purchasing a policy because it provides a glimpse of future customer service and a more realistic view of how much premiums might cost. In addition, a streamlined quote process can make it easier for RV owners to compare rates and shop around for the best deal on an insurance policy.

Premiums are the fees the policyholder is responsible for to keep the policy active and are typically paid monthly, quarterly, or annually. Gathering multiple quotes from several providers can provide a more accurate picture of RV insurance cost across different companies, as well as which policy can offer the most value. This can help narrow down which insurance company might be a better choice to work with as an RV owner.

Keep in mind that different companies offer different methods for their quote process, such as online, through the customer service number, or directly with an agent. Although some RV owners may prefer to obtain a quote completely online, others may want to work directly with an agent to get the most accurate quote possible. Choosing the right quote process comes down to each RV owner’s preferences and needs.

Claims Process

Like the quote process, the claims process may be unique to each company, and a policyholder may have a preferred method of communication when it’s time to make a claim. Some providers may allow policyholders to submit claim documents through an app or online, while others require all documents to go to a local agent. Some policyholders may choose to work with an agent so all their questions are answered along the way, while others may feel comfortable submitting all the paperwork and supporting documentation online. RV owners may also want to consider response times when a claim is filed to get a better sense of how long it can take to have a claim reviewed, approved, and paid out.

Discounts are a fantastic way to obtain more affordable RV insurance premiums and lower the overall cost of the policy. RV insurance costs vary greatly depending on a wide variety of factors, but many insurance providers offer numerous discounts which can help RV owners lower their premiums.

Part of the quote process may include reviewing the discounts each provider offers, since it can have such a large impact on the total cost of a policy. Common discounts policyholders might find with RV insurance companies include:

  • Multi-policy , if the owner has another policy through the same insurance provider, such as home or auto.
  • Multi-vehicle , if the owner has more than one vehicle insured through the same insurance company.
  • Quote in advance , if a quote is obtained prior to the effective date of the policy.
  • Original owner, if no one else has ever owned the motorhome or RV.
  • Paid in full , if the premiums are paid in advance, typically 6 months or a year up front, depending on the policy.
  • Paperless statements , if the policy statements are delivered to the policyholder electronically.
  • Small-accident forgiveness , which means the policyholder’s premiums won’t increase if the accident claim is under a certain dollar amount.
  • Large-accident forgiveness , which means a large accident won’t result in raised premiums either, but typically only if the policyholder has had a policy with the company for several years.
  • Storage discount , if the RV is securely stored for long periods of time when not in use and depending on where the vehicle is stored.

Deductibles

A deductible is the out-of-pocket amount the policyholder is responsible for when a claim is made, which is deducted from the payout. For example, if an RV owner files a claim for $3,000 worth of damage and has a $1,000 deductible, they will receive a payment of $2,000 from their insurance company.

Agreeing to carry a higher deductible can lower the cost of insurance premiums as opposed to a lower deductible, which often results in increased insurance rates. While choosing a higher deductible may be tempting to save on the up-front cost of insurance premiums, policyholders will receive a smaller payout on any claim they file after accounting for that higher deductible.

AM Best Rating

The AM Best rating of an insurance provider is a useful reference tool for anyone who wants a better understanding of a company’s financial stability. AM Best is a third-party credit agency that reviews an insurance company’s creditworthiness and financial strength based on a number of key financial metrics. AM Best uses a rating system of letters between A++, which is considered Superior, to D, which is considered Poor, for each insurance provider. The ratings are a quick way to get a snapshot of a company’s financial standing, long-term outlook, and ability to pay out claims as promised.

Our Top Picks

RV owners looking for the best RV insurance companies will likely want to compare the features, benefits, advantages, and disadvantages they consider to be the most valuable to them. Whether weighing cost, coverage options, or the claims process, comparing multiple companies side by side can help RV owners in the decision-making process. The following companies offer many advantages to RV owners and can be a great place to start their research.

Best Overall

Progressive.

best deal on travel trailer insurance

Why It Made the Cut: Progressive is available nationwide and in Washington, D.C., plus it offers up to $500,000 in vacation liability coverage along with potentially low insurance rates.

Progressive offers RV coverage in all 50 states, plus Washington, D.C., which is not always the case with this type of insurance. RV owners may also appreciate the overall lower insurance premiums Progressive tends to offer and the multiple discounts available. The diminishing deductible option is available with RV coverage, too, which gives policyholders the chance to reduce their deductible based on claims-free driving for further savings.

Although Progressive does not offer total-loss replacement coverage for all types of RVs, RV owners have plenty of chances to customize their policy to their exact needs. Options such as vacation liability coverage up to $500,000 and combined single limit liability coverage (where the policyholder has a maximum dollar amount for both bodily injury and property damage liability, instead of separate coverage amounts) are a couple of examples of policy customization offered by Progressive.

  • Service area: 50 states and Washington, D.C.
  • Quote process: Online, phone, agent
  • Claims process: App, online, phone, agent
  • Deductibles: $250 to $5,000
  • AM Best rating: A+
  • Nationwide availability
  • High $500,000 vacation liability coverage available
  • Relatively low insurance premiums
  • Diminishing deductible option available
  • Combined single-limit option available
  • Total-loss replacement coverage not available for all types of RVs

The Best RV Insurance Companies Option Roamly

Why It Made the Cut: Roamly specializes in RV insurance, which can give RV owners access to more RV experts, and it offers high property damage liability coverage limits if needed.

Roamly is another top consideration for this type of coverage because it’s one of the few insurance providers specializing in RV insurance. Since many of the employees at Roamly are not only helpful with insurance policies but are also RV owners themselves, they may be in a better position to provide insightful advice on RV insurance and how to handle claims. Although Roamly is not currently rated by AM Best, the employees may be able to offer a unique perspective on an RV owner’s policy since they are closely tied to the RV industry.

RV owners can easily gain a better idea of coverage options and premium costs thanks to the company’s user-friendly online quote process. One coverage option that may appeal to RV owners is Roamly’s high $300,000 property damage liability coverage, which is available as a policy add-on. A higher property damage liability limit could help RV owners in the event that they cause an accident and are liable for extensive property damage, such as totaling another expensive RV or multiple vehicles. Coverage is currently offered in 49 states and Washington, D.C., and is also available in Canada through a partnership with Outdoorsy, an RV rental service provider. This option may be useful to RV owners who plan to split time between the U.S. and Canada with their motorhome.

  • Service area: 49 states and Washington, D.C.
  • Quote process: Online, phone
  • Claims process: Online, phone
  • Deductibles: $250 to $1,000
  • AM Best rating: Not rated
  • Specialty in RV insurance
  • High $300,000 property damage liability coverage available
  • Efficient quote process via user-friendly online tool
  • RV coverage available in Canada via Outdoorsy partnership
  • Not currently rated by AM Best

Best Deductible Options

National general insurance.

The Best RV Insurance Companies Option National General Insurance

Why It Made the Cut: National General Insurance offers more flexibility with deductibles, starting at a $0 option, which may be a better fit for some RV owners.

National General Insurance provides greater flexibility with the deductible options it offers. Policyholders can choose a deductible anywhere from $0 to $5,000, depending on how they want to balance their up-front costs with potential claim payouts down the road. Plus, policyholders can lower their deductible with each year of claims-free driving, thanks to the company’s diminishing deductible option.

Although National General’s premiums may be relatively high in some cases, depending on the coverage terms selected and the policyholder’s risk profile, it does offer several advantageous endorsements. For instance, RV owners can purchase an add-on that extends their coverage so their RV is still insured if they travel in Mexico within 50 miles of the border. Another option policyholders may find beneficial includes a high $500,000 bodily injury liability coverage limit in the event they are found at fault for injuries to a third party as a result of an accident. For anyone who prefers the human touch, the company also offers 24-hour claim support over the phone.

  • Service area: 41 states
  • Claims process: Online, phone, agent
  • Deductibles: $0 to $5,000
  • High $500,000 bodily injury liability coverage available
  • $0 deductible option available
  • Optional coverage extension for RVs traveling in Mexico within 50 miles of the border
  • 24-hour claim support over the phone
  • Relatively high insurance premiums

Best Discounts

The Best RV Insurance Companies Option GEICO

Why It Made the Cut: GEICO offers high personal property coverage options along with an expansive list of discounts that can help policyholders save even more on their premiums.

GEICO is well known for its home and auto insurance policies, but it also offers RV coverage in 46 states and Washington, D.C. The company holds an impressive A++ financial rating from AM Best, which is the highest grade an insurance company can be given by the credit-rating agency. Such a high rating indicates that GEICO has a superior ability to meet its obligations as an insurance company, including paying out claims to its customers. RV owners may welcome the ample claim-filing options available to them, including through the company’s dedicated app, online through GEICO’s website, via the phone, or directly with an agent, which may be useful while traveling on the road or at campsite.

Although the deductible options GEICO offers are unknown, there is a long list of discounts available to policyholders, including plenty of membership and employee discounts for further savings. GEICO offers discounted rates on RV insurance to members and employees of more than 800 organizations and businesses, ranging from alumni associations and sororities to insurance companies and state bar associations. The high $100,000 personal property coverage available is one example of the range of policy customization choices available from GEICO; this could be useful for RV owners who keep a wide variety of personal belongings in their vehicle.

  • Service area: 46 states and Washington, D.C.
  • Quote process: Phone, agent
  • Deductibles: Unknown
  • AM Best rating: A++
  • High $100,000 personal property coverage available
  • Numerous membership and employee discounts available
  • A++ AM Best rating
  • Unknown deductible options

Also Consider

Auto-owners insurance.

The Best RV Insurance Companies Option Auto-Owners Insurance

Why It Made the Cut: Auto-Owners Insurance offers 24-hour roadside assistance throughout the U.S. and Canada, which can give policyholders added peace of mind while out on the road.

Auto-Owners is a Michigan-based insurance company offering RV insurance in 26 states currently. Although this is a relatively small footprint, Auto-Owners offers multiple standout features that make it worth considering for eligible RV owners. For instance, holds an A++ rating from AM Best—the highest rating available—indicating superior creditworthiness and a strong long-term financial outlook.

Also worth noting is the 24-hour roadside assistance Auto-Owners offers to its customers while they’re traveling in both the U.S. and Canada, which can be especially helpful in the event their RV breaks down far from home. Although Auto-Owners only uses agents for its quote and claims process, that may appeal to RV owners who prefer working with someone in person so they can ask questions and receive more hands-on support.

The deductible options Auto-Owners offers are unknown, but the available discounts are plentiful. For example, the provider offers a safety-feature device discount if the RV has certain safety features installed, such as antilock brakes or airbags, among other discounts that can help policyholders save money on their RV insurance.

  • Service area: 26 states
  • Quote process: Agent
  • Claims process: Agent
  • Safety-feature device installation discount available
  • 24-hour roadside assistance in the U.S. and Canada
  • Small service area covering 26 states
  • No phone or online quote or claim options

Our Verdict

We chose Progressive as the Best Overall pick due to the company’s nationwide footprint with RV insurance, high vacation liability coverage limits, low insurance premiums, and the options to select a diminishing deductible and combined single limit for liability on RV insurance. Roamly is our Runner-Up choice because it specializes in RV insurance, offers high limits on property damage liability coverage, provides an easy-to-use online quote tool, and can help customers get coverage in Canada through its exclusive partnership with Outdoorsy.

How We Chose the Best RV Insurance Companies

Multiple insurance providers were reviewed in order for us to provide a curated list of the best RV insurance companies based on the most important factors a policyholder might consider. We reviewed each company’s service area, standard RV insurance covearge options, plus any add-ons that can be purchased to enhance a policy. AM Best financial ratings were also evaluated as an indicator of the financial strength of each insurance provider.

Additionally, cost was a consideration too, including what discounts may be available to RV owners, the average premiums they might expect to pay on a policy, and potential deductible options, among other factors impacting the overall cost. Our research also examined the quote process and claims process, as well as customer support services, since these are a critical part of the overall customer experience and may be important when selecting the right provider.

Before You Choose One of the Best RV Insurance Companies

Before an RV owner selects the best insurance company for their needs, it’s important to keep in mind that coverage requirements may vary depending on where the RV owner is located, as different states may set their own baseline liability requirements in order for an RV to legally drive on a roadways. Regardless of what those minimum requirements look like, a policy can provide substantial value and peace of mind for RV owners. The right policy can help owners recoup their losses if their possessions kept inside the RV are damaged or stolen or if they need to repair or replace the RV due to damage or theft. RV owners may want to take an inventory of every item or accessory stored in their RV when determining how much coverage they need.

The insurance providers included in this roundup may not be suitable for all RV owners in all scenarios, depending on what features or coverage terms they require. It can be worthwhile for RV owners to carefully review all available options and select the company based on their own driving needs and budget, which is also another reason comparing multiple providers is essential to finding the best fit.

Cost of Opting for One of the Best RV Insurance Companies

Whether a shopper is looking for top-rated travel trailer insurance or coverage for an expensive motorhome, they’re likely wondering how much one of these policies may cost. RV insurance cost is influenced by a variety of factors, including the coverage options and add-ons selected, the policyholder’s location, and how often the RV is used. The type of motorhome or trailer the vehicle owner wants to insure also plays a part. Other cost considerations include the deductible that’s attached to a policy and what discounts are applied to help lower the cost of coverage. Just as the best home and auto bundles can save homeowners money on their insurance, bundling RV and other insurance policies could help RV owners reduce the cost of coverage.

The average cost for RV insurance may not accurately reflect the specific coverage options an RV owner is looking for, so the best way to figure out the cost of a comprehensive RV insurance policy may be to obtain quotes from several of the best RV insurance companies and compare them side by side. This will help determine which policy and company not only offers the precise coverage needed for a particular RV or trailer, but also what works for an individual’s budget.

The Advantages of Opting for One of the Best RV Insurance Companies

RV insurance can be a valuable financial tool, especially for any owner who is concerned about paying for the damage they could possibly cause to others or their property while out on the road. It can also offer peace of mind to the RV owner to know their RV is covered in the event of an accident or other types of damage that can occur, and for damage or loss to any personal property kept in the RV. RV insurance plans can be customized to fit an RV owner’s unique needs with such available add-ons as vacation liability coverage or towing coverage. Other benefits include:

  • High limits for different types of RV insurance coverage, including vacation liability, property damage liability, and personal property coverage, to prevent RV owners from having to pay out of pocket for covered losses or damages.
  • Customizable policy options, including diminishing deductibles, combined single limits, and limited coverage within Mexico, that can help expand the scope of RV insurance.
  • Generous discounts for safety features, memberships, and for employees of certain businesses to help lower the cost of RV insurance.

Shopping for RV insurance can get a little complicated, especially since liability coverage requirements may vary depending on the location. Some of the most common questions regarding RV coverage are addressed below so RV owners can better understand their policy options to find the best fit for their circumstances.

Q.  Do I need insurance for a trailer?

Since a trailer is not motorized, it may not need a separate policy. It is typically covered under the liability policy of the vehicle towing the trailer. However, a separate policy may be a good idea to cover the trailer itself and any items it’s hauling.

Q.  What time of the year is best to buy RV insurance?

There may not be a specific time of year that’s better to purchase RV insurance, as rates don’t necessarily fluctuate from one month or season to another. Instead, it’s best to purchase a policy as soon as the RV is purchased so there is financial protection right away in case of an accident or theft. In addition, buyers who finance their purchase will be required to obtain RV insurance before they can drive their vehicle off the lot, so they may want to have an insurance provider in mind before going down to the dealership.

Q.  How do I save money on RV insurance?

Saving on camper insurance or RV insurance is possible through the use of discounts with the provider, gathering multiple quotes to compare the price of premiums, paying premiums in advance and on time, and taking on a larger deductible.

Q.  What does RV insurance cover in most cases?

A “full-coverage” RV insurance policy includes liability, comprehensive, collision, uninsured motorist, and medical payments coverage, band may include roadside assistance as well.

Q.  Can I buy additional RV insurance coverage?

Yes, most providers allow a policyholder to make changes to their policy even if it’s outside the renewal date. Policyholders can also purchase higher limits on different types of coverage up to the company’s maximum coverage amount.

Q.  Is RV insurance required by law?

RV owners will likely need to obtain liability coverage if they plan to drive their vehicle on the road. The laws requiring specific amounts of RV insurance vary state by state, although state-minimum levels are usually quite low and may not be sufficient to cover damage an RV causes to others or their property.

Q.  What types of vehicles are typically covered by RV insurance?

One thing no one tells you about owning an RV is that the size of the vehicle can have a huge impact on the owner’s experience, and that includes getting insurance coverage. Insurance providers usually put RVs into one of two categories: motorhomes (Class A, B, or C), which are motorized, or trailers and towables, which require towing. The coverage offered for each type of RV varies depending on the provider, and the total RV insurance or camper insurance cost may depend on what class of vehicle an RV fits.

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Cover your motorhome or travel trailer with RV insurance — here are the 4 best companies

Rv insurance is a smart move to protect your travel trailer or motorhome..

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If you’re planning to hit the road with an RV this summer , you’ll want to make sure you have the right insurance for your motorhome, trailer or camper. 

The type of insurance required for your RV will largely depend on the type. Motorhomes, or RVs that can drive independently of another vehicle (Think: Class A, B and C motorhomes), generally require their own policy. A travel trailer — or a trailer towed behind another vehicle — may be covered under a part of your auto insurance policy, specifically your car’s liability insurance , but having additional coverage could be a smart move.

As is the case for car insurance , motorhome insurance requirements also vary by state. Most states require at least liability insurance for motorhomes. But liability coverage only covers damages you cause to others, generally in the form of both property damage and injuries. Having insurance that goes beyond liability coverage — including comprehensive and collision coverage — could help to repair or replace your motorhome if something happens to it. It also may be required if you have a loan on your RV.

CNBC Select compared dozens of RV insurance companies to help determine the best companies for your camper, motorhome, fifth-wheel or pop-up camper. Here are the four best insurance companies to consider when shopping for RV coverage. 

Best RV insurance companies

  • Best overall: Geico
  • Runner-up: Progressive
  • Best for motorhomes: Allstate
  • Best for travel trailers: Nationwide

Best overall

Geico rv insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Geico offers two different policies, an enhanced motorized RV policy and towable RV insurance to meet your specific RV's needs. It covers a wide variety of motorhomes and travel trailers, including Class A, B and C motorhomes, conventional travel trailers and fifth-wheel travel trailers, to name a few.

App available

  • Online quotes are available
  • Enhanced RV coverage isn't available in HI, MA, MI and NC.

Geico is one of CNBC Select’s top choices for auto insurance coverage for its high financial strength and customer satisfaction scores, so it makes sense that it’s also a strong competitor in the RV space. Covering a wide variety of RVs, including both motorhomes and trailer-style RVs, Geico’s coverage can work for a wide variety of RV owners. And, pairing your RV’s coverage with your car insurance coverage could be a good way to save, as Geico offers a discount for insuring more than one vehicle.

Progressive RV insurance

Progressive's RV insurance is a good fit for a number of vehicle and trailer-style recreational vehicles, including fifth-wheel, pop-ups, truck campers and Class A, B and C motorhomes. It also offers a large number of discounts for customers to save on their RV coverage.

  • Coverage for full-time RV living is available
  • Online quotes available
  • Relatively high NAIC complaint index

Progressive is a strong contender for its wide variety of RVs covered and its large number of discounts available. For full-time RV life, Progressive’s coverage could be an especially strong option, as the company will work with those who live out of their RV for more than six months out of the year. (It’s important to note that if you’re living in your RV for more than this time frame with part-time coverage and need to file a claim, your claim could be denied.) Whether you call your RV home or park it in your home’s driveway, Progressive’s coverage could be a strong option. 

Best for motorhomes

Allstate rv insurance.

Allstate's RV insurance encompasses many RV types, and includes special coverage for Airstream travel trailers while also covering truck campers, pop-up campers, fifth-wheels, and Class A, B and C motorhomes.

  • Quotes available online
  • Five discounts for RV insurance coverage listed online
  • RVs over 20 model years old are not eligible for coverage

Allstate covers a number of motorhomes, including Class A, B, C and toterhomes (a larger motorhome built on a semi-truck chassis). Allstate’s coverage also includes an option for full-time RVers, as well as options for tow bar coverage, vacation liability, and emergency expense coverage. While it’s not available for RVs over 20 years old, Allstate’s coverage could be a good fit for many motorhome owners. 

Best for travel trailers

Nationwide rv insurance.

Nationwide insures a number of RVs, including motorhomes, travel trailers, pop-ups and campers. Policies can be catered to your specific type of vehicle or trailer to customize your coverage.

  • Eight discounts available on RV insurance policies
  • Quotes not available online

Nationwide was ranked as the best for wide coverage in our list of the best auto insurance companies, and its coverage is also strong for RVs. It offers eight discounts, including discounts for RV association memberships, RV safety course completion, and insuring multiple vehicles. It also has a strong record of customer service with an average NAIC complaint index. 

  • Do I need RV insurance?
  • What type of insurance should I have on my RV?  
  • How much is RV insurance?  

How much do RV repairs cost?

  • Does RV insurance cover natural disasters or storm damage?  

How can I save money on RV insurance?

Do i need rv insurance .

RV insurance requirements depend on the type of RV you’re insuring, mainly whether it’s a self-propelled motorhome or a travel trailer pulled by another vehicle. For a motorhome, you’ll need to have at least the minimum coverage required by your state for a car, generally a certain amount of liability coverage. For a trailer-style RV, including fifth-wheels, pop-up campers, and even Airstream trailers, your tow vehicle’s liability insurance can cover any damages you cause, though additional coverage can be purchased. To make sure that your travel trailer would be covered, notify your insurance company about the trailer and list it on your policy. 

What type of insurance should I have on my RV? 

At the minimum, you should have liability insurance for your RV, which is required in almost all states and covers any damages you cause to others in the form of bodily injuries and property damage. To repair or replace your RV, you’ll need comprehensive coverage (which can cover things like storm damage) or collision coverage (which pays for damages to your RV if involved in an accident). 

How much is RV insurance? 

Like car insurance, RV insurance premiums depend on a number of factors, including the type of RV you have, the amounts and types of coverage you choose, your deductible , how often you use your RV and whether it’s used as a residence, and your driving experience. 

The average cost of repairing or replacing a motorhome or trailer-style RV is relatively high — the cheapest Airstream trailer sells for about $46,000 in 2023, and most Class A motorhomes start at around $50,000. With this significant cost, it can be well worth insuring your RV to make sure it’s helping you make memories, not financial worries. 

Does RV insurance cover storms or natural disasters? 

RV insurance can sometimes cover storm damage, after any deductibles, if comprehensive coverage is a part of your policy and the event is included in your policy. You’ll want to closely read your policy to understand what events are covered and which are excluded. Liability insurance coverage will not cover storm damage or natural disasters. 

You can save money on RV insurance by raising your deductible, bundling your RV insurance coverage with any other car or homeowners insurance policies you may have, and paying in full. Look for discounts that may apply to you as you shop for RV insurance. 

Bottom line

RV insurance requirements vary based on the type of RV you have and your state, and it could help cover damages if you're involved in an accident or another event that damages your RV. Having coverage for your RV can help make sure you're financially covered, whatever your journies may bring.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine the best RV insurance companies, CNBC Select analyzed dozens of U.S. insurance companies that can suit a variety of vehicles, trailers and coverage needs.

When narrowing down and ranking the best RV insurance companies, we focused on coverage, availability, types of RVs covered, the number of discounts available, ease of use and customer satisfaction data from National Association of Insurance Commissioners .

After reviewing the above features, we sorted our recommendations by best overall, best runner-up, best for motorhomes and best for travel trailers.

Note that the premiums and policy structures advertised for RV insurance companies are subject to fluctuate in accordance with the company's policies.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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RV Insurance

Insurance for your RV, travel trailer, or camper.

Start a quote online or call (877) GEICO-RV (434-2678)

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

  • Motorized RV insurance
  • Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

You could lower your bill if you:

  • Insure more than one vehicle with GEICO
  • Completed a defensive driver course
  • Have a commercial driver's license

Pay Your Way

We offer convenient payment methods and plans :

  • Pay online, over the phone, or by mail
  • Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

  • Get an ID card
  • View your policy details
  • File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

  • Total loss replacement
  • Replacement cost personal effects
  • Vacation liability
  • Emergency expense coverage
  • Special windshield deductible
  • Recreational vehicle medical payments coverage
  • Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

  • Conventional travel trailers
  • Fifth-Wheel travel trailers
  • Folding camper trailers
  • Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

  • Sales Mon - Sun 8:00 AM - 11:00 PM (ET)
  • Service 24 hours 7 Days a Week

RV Insurance: Get the answers you need.

  • Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
  • How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
  • What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
  • How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
  • How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
  • What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
  • Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
  • What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Best RV Insurance Companies | 2023 Discounts and Coverage

The right provider for your castle on wheels will keep your focus on the road ahead.

Motor home near the Great Sand Dunes, Colorado.

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Ownership of recreational vehicles (RVs) has skyrocketed over the past few years, leaving many looking for the best RV insurance to protect their property and passengers. Cruising the country in a motorhome is a rewarding experience, but it should be a safe one, too. In order to help you with insuring your pride, joy, and mobile home-away-from-home, we’ve rounded up some of the best RV insurance companies to ensure that your family is well prepared for the open road.

This article may include references to products or services where The Drive has an affiliate relationship with the providing company. The Drive and its partners may earn a commission if you purchase a product through one of our links. Read more .

Summary List

Best for full-time rv users: progressive, best for part-time rv users: safeco, best for multiple discount options: nationwide, best for insurance bundles: allstate, best for coverage options: national general, best for customer service: auto owners insurance, our methodology.

To choose the best companies and products for this list, the team at The Drive looked at a large number of financial products from various providers. We focused on cost, product features and options, ease of use, customer service, and past customer ratings as the most important factors in our ratings.

Insurance Companies We Recommend for RV Insurance

  • Bespoke coverage for full-time RV users
  • Unique add-on coverage options for pet injury, roof protection, pest damage, and full-timer’s liability
  • Generous 25 percent disappearing deductible
  • Money-saving opportunities with multiple discounts
  • Quotes available online, by phone, and in person
  • Not all discounts are available in all states
  • Standard coverage doesn’t include roadside assistance or emergency expense coverage
  • Liability coverage doesn’t include travel trailers 
  • Class A, B, and C motorhomes, cargo and horse trailers, conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, and utility trailers
  • Both full-time and part-time RV enthusiasts alike may enjoy Progressive’s selection of policies and add-ons that allow access to 24/7 services and coverage options.

Progressive is among the largest insurance companies in the U.S, and its standard RV coverage reflects the company’s status as one of the nation’s most competitive insurers, including comprehensive and collision , liability , uninsured/underinsured motorists, and medical payment assistance . 

Yet, its full-time RV insurance is where Progressive’s coverage shines, specifically its Disappearing Deductibles add-on that will give peace of mind to those who use their recreational vehicle as a primary residence (six months or more each year). With each annual policy in which you’ve had no accidents or violations, Progressive will subtract 25 percent from your comprehensive or collision deductible — reducing it to $0 after four years of an exemplary driving record. That’s a steep savings for when a policyholder is involved in a motor vehicle accident.

Progressive also extends a lineup of discounts to save even more on your policy, too, such as money off for prompt payment history, responsible driver, pay-in-full, original owner, claim-free renewal, paperless documents, and more.

  • Bespoke coverage for part-time RV users
  • Generous $100 Diminishing Deductible for those who remain claim-free each year
  • Optional vacation liability add-on 
  • No coverage for those who use their RVs more than 250 days each year
  • Not all coverage options available in all states
  • Standard coverage doesn’t include roadside assistance or emergency assistance coverage
  • Limited information available on website
  • Quotes only available via phone call
  • Class A, B, and C motorhomes, conventional trailers, fifth-wheel trailers, pop-up campers, toy haulers, truck campers, utility trailers, and horse trailers. 
  • Holidaymakers, weekend warriors, and part-time RVers may find Safeco’s specialty part-time insurance affordable and advantageous. However, full-timers will need to look elsewhere — Safeco doesn’t insure recreational vehicles that are used more than 250 days of the year.

Safeco is a branch of Liberty Mutual Insurance, one of the largest insurers in the U.S. It provides a range of coverages for RV enthusiasts who are only on the road for a portion of each year. Safeco offers standard and customized policies that can be tailored to fit the needs of most part-time RV users.

Safeco’s standard coverage includes what you’d expect — collision , comprehensive , etc. —but it also insures personal property, audio-visual gear, and other customizations installed aftermarket. You can personalize your policy with add-ons such as loan or lease protection , 24-hour roadside assistance , and lock and key replacement .

Safeco also offers a Diminishing Deductible for those who remain claim-free. Enjoy a $100 reduction from your collision deductible each annual policy renewal for up to five years until a maximum of $500 is reached. 

Furthermore, the insurer helps policyholders cut their premiums with an array of RV discounts. These range from standard multi-policy discounts to exclusive discounts for those who complete an approved accident-prevention course or who equip their vehicles with anti-theft devices.  

  • Complimentary annual reviews to evaluate your policy costs
  • Optional trip interruption insurance that covers the cost of meals, transportation, and lodging
  • Class A, B, and C motorhomes, conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, and horse trailers. 
  • Households that prioritize affordability in an insurance policy may find what they’re looking for with Nationwide. While premiums vary widely depending on the customer, Nationwide provides a long list of discounts that savvy drivers can potentially take advantage of to save money. 

Formerly known as the Farm Bureau Mutual Automobile Insurance Company, Nationwide is one of the nation’s oldest and most well-established insurers, and it provides clients with an array of policies and coverage options for both part-time and full-time RV users.

Nationwide’s standard coverage includes bodily injury liability , property damage liability , collision , comprehensive , uninsured and underinsured motorist , and medical payments . Additionally, policyholders can customize their RV policy with add-ons such as roadside assistance , vacation liability , towing and trip interruption , and safety glass replacement .

Yet, perhaps Nationwide’s most compelling offering is its extensive roster of discounts. In addition to more common options, like multi-policy and multi-vehicle savings, you can reduce the cost of your premium by taking an RV safety course, being a member of an RV association, paying in full, having a claim-free record, and more.

  • Generous multi-policy bundle discounts
  • Unique add-on coverage options for pet injury, sound systems, vacation liability, and full-timer’s liability
  • Over 55 and retired persons discounts
  • No good driver discounts
  • Allstate’s website does not detail which specific classes and types of recreational vehicles it insures, so you’ll need to speak with an agent to determine if this insurer is right for you.
  • People who are looking for affordable RV insurance, but do not want to skimp on the coverage should know about Allstate. The premiums for this insurer’s well-rated coverage can be reduced dramatically by bundling RV insurance alongside your other household policies for auto, life, homeowners, and so on.

Founded in 1931, Allstate was originally a subsidiary of the venerable Sears and Roebuck Co. Now, it's a Fortune 500 company servicing both the U.S. and Canada. Allstate’s long shadow allows customers to turn to the insurer for a variety of policies including auto, life, renters, homeowners, motorcycle, and more. This bundling of policies helps drive down the cost of premiums due to Allstate’s multi-policy discounts. In essence, the more business you do with Allstate, the more you’ll save.

Further, this insurer offers additional discounts that will appeal to deal seekers. From commonplace paperless and pay-in-full discounts to more unique savings for motorists who are married or over the age of 55. Allstate may not have more discounts than its competitors — but it certainly gives policyholders opportunities to save money.

It provides a variety of coverage including bodily injury liability , property damage liability , collision and comprehensive , and total loss replacement . Part-timers and full-timers will appreciate Allstate’s vacation liability and full-timer liability , while pet parents will enjoy the peace of mind knowing their furry friends will be covered, too.

  • Specialized equipment coverage
  • Total loss replacement coverage available for three years
  • Pause coverage for stored RVs
  • Storage discount for unused RVs
  • Coverage not available in all states
  • High volume of customer service issues
  • National General’s website does not detail which specific classes and types of recreational vehicles it insures. You’ll need to speak with an agent to determine if this insurer is right for you.
  • RV enthusiasts who own premium motorhomes or who have expensive customizations will find National General’s wide range of coverage options appealing. Not only does this insurer offer extended total loss replacement coverage, it also insures almost any type of aftermarket installation or alteration, from solar panels to suspension.

While you’ll be quick to find online claims of poor customer service lobbed at National General — also known as NatGen — this dynamic insurance company furnishes clients with, perhaps, the most robust selection of coverage options for RV owners. In addition to most types and classes of motorhomes and trailers, NatGen will insure specialty equipment such as solar panels, custom wheels, body alterations, and so on.

Still, among NatGen’s assortment of coverage options, its total replacement policy may be the most exciting. In the unfortunate event that your recreational vehicle is totaled or stolen in its first three years, NatGen will replace it with a comparable, new vehicle. Beyond those first three years, your policy entitles you to receive the full original purchase price for a new RV. That’s real value for money.

Plus, policyholders can cut the costs of their premiums when they take advantage of the numerous discount options available to them, including discounts for when your RV is in storage, going paperless, paying your policy in full, having low mileage, being a safe driver, and more.

  • Well-documented history of customer satisfaction
  • Manage claims and account online and through mobile app
  • Not available in all states
  • Policyholders who value reliability over cost with their insurance company might find Auto Owners Insurance’s customer satisfaction scorecard attractive. 
  • Auto Owner’s website does not detail which specific classes and types of recreational vehicles it insures. You’ll need to speak with an agent to determine if this insurer is right for you.

Boasting multiple reports of above-average customer service — most notably from TIME — it’s no wonder that Auto Owners Insurance was awarded a five-star review by NerdWallet . With fewer complaints than other insurance providers, Auto Owner Insurance specializes in customer satisfaction, according to data from the National Association of Insurance Commissioners (NAIC).

It’s this dependability that resonates with RV owners who prioritize quality service when they need it most — after an accident, theft, injury, or another unexpected tragedy. Auto Owners offers roadside assistance , medical payments and personal injury protection , bodily injury and property damage liability , collision and comprehensive , and uninsured and underinsured motorist coverage .

Additionally, this insurer features the usual lineup of discounts, like multi-policy and pay-in-full. But it also offers savings to customers who request quotes prior to their policy dates and those who make on-time payments for 36 months in a row.

Average Cost of Insurance for RVs

While the cost of RV insurance will vary widely depending on the insurance company, policy prices are largely determined by a number of factors including:

  • Age and value of the RV
  • Type or class of vehicle
  • How often you use your RV
  • Where you live
  • Your claims history
  • Your driving record and experience

According to data published by Progressive , the average cost of RV insurance is around $125 per year for small trailers to around $1,000 annually for large motorhomes. As a rule of thumb, the more expensive the recreational vehicle, the more costly the premium. 

Still, policyholders can save money on their premiums by taking advantage of discounts offered by their insurer for having a good driving record, pre-paying policies, or taking an RV safety course.

How to Save on Insurance

Shopping for the lowest rate for your RV insurance can be intimidating, but it’s easier than many people think. Here are a few tips to find your best coverage and save money on the premium.

  • Know your RV’s value. Determining the value of your motorhome before shopping for quotes will inform your coverage needs. NADAguides can provide the ballpark value for your RV.
  • Get multiple quotes. It’s generally considered a best practice to compare 3-5 quotes before deciding on an insurance policy. Be sure to request quotes for similar types of coverage, and don’t be afraid to make insurers compete for your business by leveraging a lower quote against a higher one. It never hurts to ask.
  • Improve your credit score. While your credit reports generally show lenders your creditworthiness, insurance servicers also use your credit score to predict the odds that you’ll file a claim. Common ways to increase your score include paying down high-interest debt, making on-time payments, and keeping your credit utilization ratio below 30 percent.
  • Consider bundling your RV insurance policy. Most insurance companies offer multi-policy discounts to customers who bundle different policies. For example, bundling your car insurance with your RV insurance could reward you with a deep discount.
  • Look for insurance providers that offer numerous discounts. Bundling your insurance policies isn’t the only way to save money on your RV insurance. Find insurers who offer multiple types of discounts. We show you some common policy discounts below.

Here’s how to look out for discounts and which ones we’d recommend:

  • Responsible driver: Motorists often score substantial savings when they can show a driving history free of at-fault motor vehicle accidents or violations. Time periods vary by insurer, but generally two to three years of a clean record will qualify
  • Claim-free renewal: Similar to a responsible driver discount, some insurance companies will grant discounts to customers with no at-fault claims when they renew their policies
  • Multi-policy: Loyalty pays, and discounted premiums commonly go to those who hold additional policies — such as auto insurance and homeowner’s insurance — with their RV insurance company 
  • Original owner: Regardless of the age of the motorhome, original owners frequently earn policy discounts
  • Pay-in-full: Many insurers offer discounts when you pay your entire annual policy upfront
  • Storage discounts: Weekend warriors will appreciate reduced premiums when they put their unused recreational vehicle in storage.

Essential Cost Variables for Insurance

As with everything, there are a host of variables that will affect the cost of your insurance as no two people are exactly alike. With that in mind, here are the variables that’ll change the cost of your insurance. 

Age plays a significant role in determining the cost of insurance, with teen drivers paying the highest rates. Some data suggests that 16-year-old drivers pay over 300 percent more than their 55-year-old counterparts.

While the use of gender to influence auto insurance costs is increasingly coming under more scrutiny, there is data to show that men pay higher rates than women. Still, as drivers age, this gender gap tapers as both begin to pay similar rates. 

Keep in mind that California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania all have laws forbidding insurers to use gender as a determining factor in the cost of insurance.

Credit Score

Insurance providers use your credit history to forecast the likelihood you’ll file a claim.  

As a rule of thumb, the lower your credit score, the more you’ll pay for insurance. Drivers with “exceptional credit” save $1,537 per year, compared to those with “very poor” credit, according to data from The Zebra .   

When it comes to the cost of insurance premiums, your ZIP code matters. In addition to risk assessments based on nearby crime rates, traffic congestion, and environmental threats, motor vehicle insurance is largely regulated by individual states. 

Data suggests that policyholders in states like Iowa and Wisconsin pay, on average, less than $400 per year for car insurance. On the other hand, those living in Florida and Michigan may pay upwards of $2,000 to $4,000 for similar coverage. 

Additionally, drivers in rural areas will typically pay lower premiums than those in crowded metro areas.

Vehicle/Model

The class of your recreational vehicle is one of the primary details that will decide the cost of your RV insurance. 

  • Class A motorhomes are generally the most expensive to insure. These are larger recreational vehicles that are manufactured on chassis designed for buses
  • Class B motorhomes are less expensive to insure. These vary in size and are commonly referred to as campervans
  • Class C motorhome insurance is usually priced between classes A and B. These are mid-sized RVs with built-in cabins
  • Trailers may not require RV insurance, but it depends on your current auto insurance policy. These include anything that is towed with another vehicle, including conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, and horse trailers

Type of Coverage

You’ll want to secure an RV policy that is personalized for your lifestyle and how you plan on using your motorhome. 

People who will use their recreational vehicle for a couple of family vacations each year should look into part-time insurance or coverage that offers discounts for low mileage or parking RVs in storage. 

Full-timers — those who use their RV more than half the year or as their primary residence — may want to consider a full-time policy, full-time liability, or a similar package.

While titles and premiums may vary by provider, these are the common types of RV coverage:

  • Bodily injury liability: Covers medical costs for others
  • Property damage liability: Covers damages to other’s property
  • Collision: Covers damage to your RV due to roadway accidents
  • Comprehensive: Covers damage unrelated to roadway accidents, like fire or theft
  • Uninsured or Underinsured motorist: Covers damage to your RV from other motorists
  • Personal injury protection: Covers medical costs for you and your passengers

You’ve got questions. The Drive has answers. 

Q: Should I buy RV insurance?

A: Yes, when your RV has its own engine and steering wheel, you’ll need an RV insurance policy that covers your recreational vehicle when it is both on the road and settled as a residence (for example, parked at a campsite). While motorhomes are required to carry minimum liability coverage across the U.S., additional coverage requirements will vary by state. For instance, many states mandate uninsured and underinsured motorist insurance, but not all. Yet, insurance is not always required if your recreational vehicle is being towed by an automobile. In these instances, auto insurance policies often have provisions that cover hitched trailers and towed campers.

Q: What is an RV policy?

A: An RV policy is insurance coverage for a recreational vehicle. Typically, if you tow a trailer or camper behind your automobile, you may not need an RV policy. However, if your recreational vehicle moves on its own, then you have a motor vehicle that requires an RV policy. These policies vary according to your needs, but most insurers offer standard coverage like bodily injury liability , property damage liability , collision , comprehensive , uninsured and underinsured motorist , and medical payments .

Q: Can I drive a motorhome on my car insurance?

A: Generally, no. Because motorhomes are used differently from cars, you’ll need a separate insurance policy to operate a recreational vehicle. While RVs are on wheels, like a car or truck, they are also essentially a house and, as such, need liability coverage consistent with a residence. An exception may be when you are towing a utility trailer or a camper, but this will depend on the terms of your current auto insurance policy.

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Our reviews are driven by a combination of hands-on testing, expert input, “wisdom of the crowd” assessments from actual buyers, and our own expertise. We always aim to offer genuine, accurate guides to help you find the best picks.

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RV Expertise

Best Travel Trailer Insurances

Travel trailer insurance isn't mandatory, but it's a good idea to get some. It's essential for protecting yourself and your investment when you’re going out on a trip.

Like auto insurance, travel trailer insurance policy provides financial protection in the event of accidents, injuries and other regrettable things. A good, honest insurance cover will reimburse you for repairs, hospital bills and offer liability protection in the event you injure someone or damage their property.

Read on for our list of the best travel trailer insurance companies and see which coverage best suits your needs...

Class C campervan and a starry night

  • Available in almost all states
  • Extremely high customer satisfaction scores
  • Excellent windshield repair and replacement plans
  • Includes emergency expense coverage with the basic plan
  • Offers replacement for personal effects for up to $100,000
  • Still not available everywhere
  • Replacement options automatically change over time

Geico’s insurance plan for travel trailers mainly covers comprehensive and collision needs. However, they include some extra benefits with these policies, including vacation liability coverage and emergency expense coverage. Geico also offers a medical payments coverage plan that will pay for medical treatments regardless of fault.

Geico stands out because of its excellent insurance packaging at reasonable costs. It includes some types of coverage that other providers charge separately for, making it an excellent deal for most users.

Geico may be known mostly for its advertising campaigns, but their RV insurance offers great coverage at reasonable rates. They’re a great choice if you want to get a simpler plan, without needing to pick and choose your coverage.

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There Are Plenty of Discounts

RV insurance is already affordable unless you add too many optional things to your coverage (see below for more on this), but it’s possible to reduce costs even further if you talk with your insurance provider.

The best discount is “not in use” discount. This goes by different names at different companies, but it broadly refers to discounted rates you can get when your RV is in storage for extended periods. A non-use discount can reduce insurance costs by as much as half, making it worth asking about.

Costs Can Add Up Quickly

Basic travel trailer insurance is highly affordable. If you can afford such a trailer in the first place, you can afford RV insurance. However, when you start adding on all of the optional upgrades, costs can start to get very high, very fast. Ultimately, you need to decide how to balance your risks with your insurance expenses and avoid paying too much.

Watch Out for Scammy Insurance Companies

Yes, we said it. There are many companies that try their best not to pay out, so don't go for something cheap from a company you've never heard of.

Travel Trailer Insurance FAQs

Here are some of the most common questions that people have about travel trailer insurance.

best deal on travel trailer insurance

  • Always get a separate policy for your RV
  • Third-party appraisals are critical, particularly for renovated RVs
  • Use a company that offers specialty RV coverage
  • Seek liability coverage above $100k / person, personal property coverage of $300k / accident, and $50k in property damage
  • How we analyzed the best RV Insurance
  • Our RV Insurance Review Summed Up

best deal on travel trailer insurance

  • More insight into our methodology

To provide you with the most accurate information on RV insurance providers, our team of experts conducted more than 220 hours of research, drew from approximately 40 sources, vetted at least 10 companies and, of these, picked four as their top favorites, ranking them based on approximately 40 points of comparison.

  • Coverage & Benefits

When judging coverage and benefits, we singled out RV insurance carriers that offered extensive and flexible coverage options. To be considered for our list, companies had to provide all the traditional insurance protection, as well as a healthy amount of RV-specific options. Most RV insurers offer liability, personal injury protection (PIP), collision, underinsured or uninsured motorist, and comprehensive coverage. Other types, such as full-timer and Mexico coverage, vary in availability from company to company.

Companies also needed to offer full-timer coverage for those who live year-round in their RV; full replacement coverage in the event the RV is totaled or stolen; personal belonging coverage for the property inside the RV, including electronics, appliances, and jewelry; vacation liability coverage for injuries that occur at the vacation site where the RV is parked; and permanently attached items coverage for items like satellite dishes, wheelchair lifts, or retractable canopies. Finally, companies also were required to cover most, if not all types of recreational vehicles.

The minimum liability requirements vary from state to state, with most requiring only $50,000 in bodily injury coverage and $25,000 in property damage. However, to make sure you’re fully covered in case of an accident, we recommend policies that provide much more than the minimum. With this in mind, providers that featured a greater selection of coverage options with higher liability limits across the board ranked higher with us.

  • Customer Support

We evaluated each company’s track record with its customers by looking at the available complaint data on online regulatory organizations' pages and by searching for company pages on independent consumer review websites such as the Better Business Bureau. Some companies also provide unfiltered reviews on their own websites, helping to give greater insight into customer satisfaction rates.

The cost of RV insurance varies considerably based on several key factors, which makes pinning down a predicted total cost difficult.

Some discounts are widespread among RV insurance providers, whereas others are unique; the greater the number of discounts—and the easier they are to obtain—the better we rated the company.

  • Our Top Picks: RV Insurance Reviews

Admittedly, we originally approached this topic with the traditional opinion that RVs were mainly of interest to retirees, the baby boomers who enjoy spending their post-work life experiencing the great outdoors. While this segment of the population has long been the backbone of the RV industry, the new trend of working remotely while traveling is attracting much younger consumers to the RV lifestyle.

  • Good Sam review

Good Sam RV Insurance

Best For Customer Satisfaction

Over the nearly fifty years since it started offering its services to RV owners, the Good Sam Insurance Agency has prided itself on providing consumers an excellent customer experience. The company’s agents are extensively trained to ensure that every customer finds the type and level of coverage that best fits their RV lifestyle, but also that they get treated with the utmost respect and friendliness.

Good Sam shows an outstanding number of positive reviews on Birdeye, a platform which the company uses in order to get first-hand customer feedback that is both relevant and reliable. On the platform, customer satisfaction relating to its products and services hovers at around 96%. The company is also accredited with the Better Business Bureau, where it currently holds an excellent A+ rating.

Total-loss Replacement for Motorhomes and Travel Trailers

The Good Sam Insurance Agency replaces any RV that is totaled or stolen in its first five model years with a new, comparable RV model. This stands even if the customer is not the original owner of the vehicle. After the first five model years, customers receive the full original purchase price toward the purchase of a replacement RV. This Full Replacement Cost Coverage option protects customer RVs from depreciation, potentially saving them thousands of dollars.

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Specialized Coverage for Full-Timers or First-time Weekend RVers

Few RV Insurance companies offer full-time RV Insurance. Some might even deny coverage if they weren’t informed that the insured RV was intended to be used as a permanent residence. On the other hand, the Good Sam Insurance Agency offers customizable coverage options that are designed specifically for full-time RVers.

Full-time RVers can enjoy coverage similar to that of homeowners insurance through the Good Sam Insurance Agency’s specialized protection plan for full timers or first-time weekend RVers. Full-Time Insurance goes above and beyond what traditional Auto Insurance policies can protect because it covers a number of other incidents and situations that regular RV insurance does not.

The coverage options that Good Sam’s Full Time RV Insurance provides include but are not limited to: personal liability, which is similar to vacation liability and pays for injuries that happen around the RV or on the customer’s property; medical payments to others, which covers the costs of medical expenses incurred by those who are injured while visiting the RV and/or the property around it; personal belongings coverage, which provides up to $3,000 of full replacement cost coverage at no extra cost; and an emergency expense allowance, which covers the costs of food and lodging if the customer is ever involved in a covered claim more than 100 miles from their home.

  • Progressive review

Progressive RV Insurance

Best For Millennials

Progressive offers many of the features that Millennial RVers should be looking for in an RV insurance policy. The most noteworthy of these is affordability, directly tackling a concern the generation is all too familiar with.

Most of us are already aware of how the economy isn’t helping Millennials overcome low wages, an expensive housing market, and student debt. Although Millennials don’t usually shy away from paying extra for a service or product they consider genuinely good, they still place affordability towards the top of their concerns.

Progressive advertises standout RV insurance rates, with policies starting as low as $125 annually. These rates are possible due to the company’s extensive list of discounts. Qualifying for some of its discounts is particularly easy—simply paying on time, opting for documentation through email, and quoting in advance can net you discounts.

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Progressive offers an easy-to-use online application, as well as some of the lowest rates for RV insurance. Screen shot of progressive.com, May 8, 2019.

Three other ways to keep payments low further cement Progressive RV Insurance as our choice for Millennials. The first, small accident forgiveness, goes into effect as soon as a policy starts and excuses customers for claims of $500 or less. The second and third are particularly remarkable for the way they encourage long-standing relationships with customers.

Though they may flirt with a higher overall number of brands, Millennials are intensely loyal to the few brands they do value. Large accident forgiveness and disappearing deductibles are two of Progressive’s benefits that reward this kind of long-term commitment. With the former, customers have a chance to avoid their rate going up for being in any sort of accident; with the latter, they can reduce their deductibles all the way down to $0 with each claim-free period on their policy.

Comprehensive Coverage for All Kinds of Vehicles

In addition to being one of the most affordable options available for RV Insurance, Progressive also features one of the most extensive lists of coverage options in the industry.

All of Progressive’s RV insurance policies come with standard coverage: comprehensive, collision, liability, uninsured/underinsured motorist, and medical payments. Consumers seeking extra coverage will see that Progressive provides a number of options at no additional cost, including pet injury, Mexico physical damage, and trailer coverage for motorhomes.

Both part-timers and full-timers can find coverage geared towards their type of RVing. Part-timers can opt for Progressive’s vacation liability coverage, which offers up to $10,000, with an upgrade of up to $500,000 if someone is hurt in or around their RV while they are on vacation, and emergency expense coverage, which provides $750 for transportation and hotel costs plus meals, again, if they are on vacation. Full-timers can enhance their coverage with Progressive’s full timer’s personal liability, replacement cost of personal effects, and total loss coverages.

Nearly all types of RV can be insured with Progressive. This includes most categories of travel trailers—the most common type of RV bought by Millennials—motorhomes, and campers. Those with bus conversions and other types of retrofitted RVs may also be eligible to receive coverage.

24/7 RV Roadside Assistance and Claims Processing

Progressive’s roadside assistance program may come at an additional cost, but it is one of the most complete services of its kind in the industry.

As long as a customer’s RV breaks down within 100 feet of the road, Progressive will pay to tow it to the nearest repair shop. It will also pay for any necessary labor done to repair it when disabled due to a mechanical or electrical breakdown, battery failure, insufficient fluid supply, flat tire, lockout, or wheel entrapment. This service costs nothing out of pocket and is available 24/7.

Claims can also be filed around the clock, with updates available in real time. Additionally, customers can quickly submit a claim in minutes through Progressive’s mobile app. They can also contact roadside assistance through the application.

  • RVInsurance.com review

RVInsurance.com

Best For New Buyers

Whether you are a Millennial or a Baby Boomer, if you have never traversed the tricky field of buying insurance for an RV, your best option is most likely going to be a reliable marketplace that can both inform and point users in the right direction. RVInsurance.com is just that kind of marketplace, featuring a wealth of helpful information pertaining to purchasing an RV, insuring it, and staying safe on the road.

RVInsurance.com publishes a free yearly RV e-book that provides tips and tricks for every type of RVer, with suggestions for slide-outs, preparing RVs for the winter season, fire safety, and the steps to submit an RV insurance claim. In addition to its e-book, RVInsurance.com offers additional, downloadable tips for avoiding accidents.

Instead of going from carrier to carrier, consumers can use RVInsurance.com’s quoting service to get connected to companies that actually offer what they need. This saves consumers time and money that would be spent elsewhere. Overall, clients using the service report average savings of over $400 per year.

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Rvinsurance.com offers quotes from multiple RV insurance-specific carriers. Screen shot of rvinsurance.com, May 8, 2019.

Getting an insurance quote on RVInsurance.com is a fast and uncomplicated process. Users only need to input their zip code to start so that the company can verify if they are in one of the 48 continental states where it can provide them with quotes. Then, it’s a matter of providing some personal and vehicle information, choosing from any available discounts, and getting a final rate.

Although RVInsurance.com is an aggregator, its quoting process has an entire section allowing users to choose from a series of discounts. The discounts that are available naturally vary from carrier to carrier, but the ones users select will help fine tune their search to include those that offer them.

Coverage for a wide variety of RV types may be obtained through RVInsurance.com. Class A, B, and C Motorhomes, Fifth-Wheel and Conventional Travel Trailers, Airstream Trailers, Trucks Campers, Bus Conversions, Toy Haulers, Horse Trailers, Pop-up Tent Trailers, and other specialty and custom RVs can all be covered by the company’s insurance options. The experts at RVInsurance.com are able to find insurance coverage for any kind of RV or motorhome clients might drive.

Speak to Professional, Licensed Agents

A common concern with marketplaces among consumers is that they are merely faceless, online algorithms that provide numerous quotes but no real guidance when the time comes to make a decision. RVInsurance.com, however, features a fully licensed, multi-line agency that can help consumers find their ideal RV, auto, home, or boat insurance.

All of the company’s agents are provided with ongoing education and training in order to stay up to date with the latest developments in the RV insurance industry. The volume of positive feedback on the Better Business Bureau and other third-party review aggregators attests to the satisfaction that most clients have with the company's service. Many clients express contentment with the company's quick and attentive customer service, in particular.

Partnered with A-Rated Carriers

RVInsurance.com is partnered with twenty carriers known in the industry for their strong and consistent financial performance. Nationwide, the Foremost Insurance Group, National General, and Safeco Insurance are some of these carriers, to name a few. They share similar A-or-higher ratings with at least one of the large financial strength rating agencies.

  • National General review

National General RV Insurance

Best For Baby Boomers

National General Insurance has been around for a long time—for over 95 years, in fact. It is the only auto insurance company to have originated within the auto manufacturing industry. With nearly a century of experience insuring vehicles, and more than 25 years insuring RVs, Baby Boomers are more likely to appreciate the level of expertise and reliability that National General brings to the table.

In addition to the company’s experience, there are two other reasons why we consider National General the best RV insurance provider for Baby Boomers: its long history of excellent customer service and the types of discounts it offers.

A quick look at the company’s page on the Better Business Bureau shows just how satisfied consumers are with its customer service. Most insurance companies display a large amount of negative feedback online—it comes with the territory—National General, however, enjoys largely positive customer reviews and averages fewer complaints than many of its competitors. Baby Boomers highly value good customer service, and this level of satisfaction with National General can also be seen on other online review outlets.

National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles, but Baby Boomers are particularly well positioned to capitalize on them. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. National General also offers homeowners discounts that are easy for them to qualify for, as Boomers are more affluent than other generations on average and thus more likely to own a house and additional vehicles.

Further examples are the company’s storage option and low mileage discount—both great solutions for part-time RVers. Baby Boomers are more likely to own a home and those that were born between 1946 and 1964 are now heading into retirement. This makes them more prone to RV part-time rather than full-time when compared to Millennials, for example. Some Baby Boomers end up making their RVs a home-on-wheels, but many are also likely to take their RV out for vacation with their families, or to explore the great outdoors for certain seasons or periods of time.

Lastly, National General has discounts that are aimed at attracting supporters and members of certain organizations. For example, active and retired General Motors employees, current employees of General Motors suppliers, such as Chevrolet, Hummer, and Pontiac, OnStar subscribers, and GM/GMAC customers are all eligible for discounts on their premiums.

Extensive Replacement Coverage Options

Some of National General’s most noteworthy coverage options include those that replace damaged items and parts or reimburse their cost. These options are designed to cover however much customers want insured and to avoid any sort of depreciation.

The company’s personal belongings coverage protects items, from laptops and linens to attachments and accessories, up to $3,000. Customer belongings are insured for what they paid and not a depreciated amount. They also have the option of adding more coverage if needed. The permanent attachments coverage works similarly, automatically ensuring any items attached—such as awnings, satellite dishes, and TV antennas—for the full amount it would cost to replace them instead of a depreciated amount.

Both of these options are automatically included in all of National General’s policies. On the other hand, the company’s full replacement cost coverage is optional. It provides customers who opt for it with a new, comparable RV if theirs is totaled or stolen.

An emergency expense allowance is also included with all RV policies. With it, customers get reimbursed with up to $100 per day for food and lodging when a covered accident leaves them stranded more than 100 miles from home. This allowance has a maximum of $500 and can provide peace of mind during this stressful situation.

SmartServices®

National General Insurance offers several additional services with all of its policies, which the company calls SmartServices®. These features are designed to provide customers with safety, security, convenience, and flexibility.

Many of National General’s additional services are designed to save customers time after dealing with an accident. National General will pick up their damaged RV and bring customers a rental car after a claim is filed. Once the RV is repaired, National General delivers it directly back to them and takes care of returning the rental car. When facing a total loss situation, however, the company offers to refer customers to an expert who can search for the exact vehicle they want.

National General’s mechanical breakdown service provides coverage for up to one hour of labor at the site of a breakdown. Vehicles will be towed to the nearest RV repair facility without dollar or mileage limits. Additionally, once their RV has been repaired after a claim, the company re-inspects it upon request in order to ensure it is in top condition.

  • Helpful information about RV Insurance

FOR BABY BOOMERS AND MILLENNIALS ALIKE

The world as your workstation.

Tech-savvy consumers have probably heard of or have been inspired by the “digital nomad” lifestyle, where people have been ditching their office cubicles to work remotely. Social media strategists, photographers, and web designers can all work from the comfort of home, as long as there’s a stable internet connection. Hit TV shows such as HGTV’s Tiny House Hunters and Travel Channel’s Going RV are shining a light on younger couples and families that save money by downsizing to a motorhome for a non-traditional life on the road.

“We’re seeing a lot more young people coming into the market,” states Greg Gerber, owner and editor of RV Daily Report. “When I first started in January 2000, the average age of ownership was 55. That is now approaching the mid to upper 30s. The new trend is to be working and living on the road full-time.” 

If you’re drawn to the minimalist and tiny home movement, or simply enjoy traveling for a living, you’re probably interested in buying an RV. Travel trailers are still the most popular and common RVs, with many families opting for the larger, bus-sized motorhomes. Whichever you decide, it’s beneficial to analyze your family’s individual needs and weigh the pros and cons. 

Jonathan and Ashley Longnecker, full-time RVers and bloggers of TinyShinyHome.com, sold their new and oversized 5th-wheel trailer for a much smaller, compact vintage Airstream. Although a family of six, their original RV was very heavy, long, and tall, which made it more difficult to travel long distances without worrying about parking, turning, and hitting low overpasses. The family decided they’d sacrifice the extra space in order to travel lighter and with greater peace of mind. 

On the Road Again

Traditionally, motorhomes have been very popular among baby boomers who take advantage of their retirement to travel and vacation. The Recreation Vehicle Industry Association estimates that 750,000 to one million retirees consider an RV their home. For many of these older RVers, their love of the outdoors stems from childhood camping and family trips.  

“My first RV was a pop-up which I used to go camping with my daughters up in Wisconsin,” said Gerber. “When they got too old to go camping with dad, we sold that and got a motorhome.” Gerber lived in the larger motorhome full-time, worked remotely, and traveled. 

Many baby boomers are doing the same: spending their retirement visiting national parks, historic landmarks, and exploring the country. Empty nesters and the 55+ crowd find that RV living offers both freedom and a strong sense of community. Contrary to the popular belief that RVers are constantly on the move, RV and manufactured home parks also serve as seasonal homes, with plenty of things to do to keep an active lifestyle.

Budget For Your Insurance

Whether it’s your first time buying an RV or you’re thinking of switching models, always consider your budget and how much you’re willing to pay for insurance. One option is purchasing and refurbishing a used RV, but this may make obtaining an affordable policy difficult.

Jonathan Longnecker and Greg Gerber both experienced mechanical issues with their brand new RVs, requiring frequent repairs. As a result, both bloggers suggest buying used or vintage RVs and renovating them, learning your machine’s ins and outs during the process. This way, owners can take care of repairs themselves instead of losing travel time waiting for overbooked RV service shops under their insurance policy.

The less mechanically inclined may prefer to purchase a newer model. While this may entail a larger upfront investment, getting good insurance coverage will likely be easier.

Regardless of which you choose, an RV is a big decision for your future, lifestyle, and pocket. Protect it.

WHAT QUALIFIES AS AN RV, AND DO I REALLY NEED SPECIAL INSURANCE FOR IT?

As we’ve mentioned, an RV is an investment, so it’s a good idea to have some sort of safety net to keep that investment safe and minimize risk in case the unexpected happens.   The amount of coverage you’ll need will be based on several factors, including the type of RV you own, the state you live in or plan on visiting, and whether you’ll be using your RV as primary residence or for vacationing purposes.   If you own a towable RV such as a toy hauler or teardrop trailer, coverage may be optional since some states won’t require them to have an insurance policy of their own, and, if properly attached, most insurance carriers will cover them as part of your standard auto policy.   However, there are some circumstances where RV insurance is always required, even if it’s a towable model. For example, if you’re renting or financing your RV, both renters and lenders will want to make sure that they’ll be properly reimbursed in case of an accident or loss, and will require you to acquire an insurance policy before allowing you to take them on the road.   Additionally, if you own a motorhome, an insurance policy that covers your state’s minimum liability requirements is absolutely necessary, just like with any other motor vehicle.

Still, regardless of whether your state requires you to have an RV insurance policy, it’s always best to have one if you plan on living in your RV full-time to protect yourself and your vehicle against any damages and covered losses. On the other hand, if you plan on using your RV seasonally or for short trips, then liability coverage might be enough.

Types of RVs

Usually, when people think of RVs, the first thing that comes to mind are the typical campervans packed with small appliances and elevated roofs, or the spacious and luxurious Class A motorhomes that cruise America’s Interstate Highways. While these are amongst the most popular RV models, RVs come in many shapes and sizes, and some are even designed just to store belongings, with no sleeping quarters or mini fridges in sight. However, RVs oftentimes include amenities such as cooking equipment and storage space. They can be self-motorized or towed behind a vehicle.

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Other specialty RV models include: the fifth wheel trailer, toy hauler, horse trailer, and cargo or utility trailer.   Fifth-wheel trailers offer similar accommodations and amenities to those of Class A or Class C motorhomes, but are towed behind a vehicle, so you don’t have to take them everywhere you go. Toy haulers are basically mobile garages, they can be used to store things like cars, motorcycles, and snowmobiles. Horse trailers, just as the name suggests, are towable trailers used to carry horses or other animals. Cargo or utility trailers are towable metal boxes that are strictly used to store your belongings.

Regulations by State

According to the Insurance Information Institute’s table of Automobile Financial Responsibility Laws by State , 49 out of all 50 states, as well as the District of Columbia, require you to have some sort of liability coverage for all vehicles on the road, including RVs. The only exception to this rule is the state of New Hampshire, which has no mandatory insurance law , and only requires financial responsibility from the person at fault in a car accident.   Liability insurance, also known as “third-party insurance,” is designed to protect you against any financial liabilities if you’re at fault in an accident.   Liability insurance usually includes bodily injury coverage and property damage coverage. Bodily injury coverage is designed to cover all of the other party’s medical expenses resulting from any injuries received in an accident for which you’re at fault, while property damage coverage helps cover the costs of any damage to another person’s property, such as vehicle repairs, replacements, or damaged structures resulting from said accident.   The minimum liability requirements and coverage amounts vary from one state to another—for example—the state of South Dakota requires you to have bodily injury and property damage coverage as well as uninsured and underinsured motorist coverage, while the state of Ohio only requires bodily injury and property damage coverage.

For more information on what each state’s minimum liability requirements are, check out our map below:

I’ll Just Buy Regular Car Insurance Instead

Although you might be tempted by either the simplicity or savings to purchase or use your current auto insurance for your RV, it’s important to know there are critical distinctions between car and RV insurance, and buying the former to protect your RV can put you at considerable financial risk. 

Most car insurance providers will offer to include your RV as part of your auto insurance policy, as such you will get traditional car insurance coverage. This will include bodily injury and property damage liability coverage, personal injury protection, collision, comprehensive, medical payments, and uninsured or underinsured motorist coverage, which essentially protects you against accidents and physical damage while on the road. (For a more detailed explanation of coverage see below.)     But what happens when you leave your RV unattended to go hiking and someone steals your camera, laptop, or other precious equipment? Or what if someone slips and gets injured while stepping out of your RV?   Sure, your auto policy’s comprehensive coverage will protect you in case your car gets stolen, but it won’t reimburse you for or replace the items inside. Similarly, your medical payments coverage can help defray the costs of other’s medical expenses in an accident, but it won’t cover you if the incident happened while the RV was parked.   According to Greg Gerber, “Most car insurance firms don’t have a clue of what can go wrong with an RV and don’t provide the coverage to get it fixed adequately,” which is why he advises consumers to get a separate policy for their RVs instead of bundling, to “avoid the hassle that can come if the RV itself is broken and they’re trying to get their car insurance company to fix it.” 

He also points out that standard car insurance policies tend to offer lower coverage amounts than those offered by RV insurance policies, which can ultimately take a big financial toll on your wallet in case of an accident.

A BREAKDOWN OF RV INSURANCE COVERAGE

So now that we understand the difference between auto and RV coverage, let’s take a look at the specifics of what you get under an RV policy. Essentially, RV insurance acts as a hybrid between car and home insurance, offering additional protection for home and living essentials through specialized coverage plans. Depending on the policy you choose, it may include:

  • Uninsured and underinsured motorist coverage  - covers you in case of an accident in which the driver at-fault doesn’t carry liability insurance or have enough to cover your medical expenses
  • Collision and comprehensive coverage - covers damage to your vehicle caused by collision with another vehicle as well as non-collision related events (theft, natural disasters, vandalism, etc.)
  • Campsite and vacation coverage - liability when stationed at your campsite or vacation area in case of injury or property damage at the location
  • Personal Property coverage - Replacement of damaged or stolen personal valuables and items kept inside the RV such as laptops, TVs, clothing, jewelry, and furniture
  • Towing and roadside assistance - coverage of costs in cases such as mechanical breakdown, flat tire, fuel deficiency, and battery failure of your RV or vehicle pulling the RV
  • Total loss replacement - complete value coverage in case your RV is stolen or totaled
  • Specialized coverage - Additional protection specifically for things that aren’t covered in standard policies, such as custom equipment replacement of parts and appliances (water pump, solar panels, etc.), storage option (for when you use your RV seasonally), and coverage of pets
  • Emergency expense allowance - coverage for temporary living and travel expenses (rental car, food, lodging, etc.) when involved in an accident over 100 miles from home
  • Full-time RV coverage - additional liability, medical, and secured storage coverage for policyholders using their RV as a residence for five months or more per year

When choosing the right policy, it is important to consider whether you’ll be using your RV on a full-time or part-time basis.

If you’re planning to use your RV as primary residence, then a full-timer's policy is your best option, since it will protect you against liabilities and losses when your RV is stationary for extended periods of time, as well as cover the costs of medical expenses or emergencies for those injured inside or near your RV.

However, if you’re planning on using your RV seasonally, then a campsite or vacation liability coverage, combined with a storage option, might be your best choice since it will save you money while protecting you against any liabilities, whether the RV is parked or on the road.

best deal on travel trailer insurance

Bus-conversion homes are a popular and fast-growing trend within the RV lifestyle. City buses, Greyhounds, and even school buses are highly sought after and, once renovated, become non-traditional RVs that fall into the Class A category. While bus renovation projects are becoming mainstream, they can be difficult to insure. Buses, especially school bus-converted homes or “Skoolies,” are considered more of a risk due to their weight and balance limitations. Vehicles originally built for mass transportation do not have the same axle and weight distribution as traditional RVs, which are designed for sleeping and carrying additional living necessities.

RV Insurance companies take these type of risk factors into account, which makes it more difficult for bus-conversion homeowners to find the best coverage. Also, buses first need to be registered as RVs with the department of motor vehicles beforehand. If not, they’re still considered commercial vehicles instead of personal, and will not qualify for RV insurance. Different states have different requirements as to what qualifies as an RV, many of which include repainting the bus a different color, having a potable water supply, installing a toilet, and having cooking appliances onboard.

What to Watch Out for When Buying RV Insurance

Universal vehicle insurance companies.

While not all large insurance companies are the same, some of them might be selling insurance policies for vehicles that they do not have much experience covering. RV insurance in particular is offered by many auto insurance companies who may not be well prepared for handling the intricacies of an RV insurance claim. When choosing who is going to insure your vehicle, make sure it is a provider who specializes in RV insurance—regardless of its size—or that at least has a good track record of dealing with RV insurance policies and claims.

Agreed Value

An insurance provider and you might not consider your RV to be worth the same. By settling on an agreed value with your potential RV insurance provider, you are ensuring that both you and your insurance company have the same value of your RV in mind if you face a worst-case scenario—the total loss of your RV. It’s also important to ask about the next lower threshold for an agreed value premium. By agreeing to a slightly lower level of coverage, you might be able to save plenty on your premiums.

Always Get 3 Quotes Before Buying A Policy

Even if you’ve made up your mind about which RV insurance provider to go with, it’s never a bad idea to take a few steps back and compare quotes. This way, you can make sure that the policy you are getting is the most affordable for what it offers.    A good number of quotes to compare is three. If you already know three companies whose RV insurance you are interested in, go through each of their quoting applications. Then, compare the final estimated premiums and the features of its policy: maybe company A’s policy is cheaper overall, but company B’s offers greater coverage for a slightly more expensive price.

Make Sure You Lock in Your Rate for At Least 5 Years

Your premiums might change dramatically each cycle due to actions such as filing claims. Because of this, securing a rate before you purchase an RV insurance policy is extremely important.   Securing a rate for at least five years of time is a good way to make sure you aren’t paying different premiums on a yearly basis. However, some companies are open to negotiating for even longer rate-locking periods.    Take Jonathan Longnecker, for example, who managed to secure a rate for his vintage Airstream for a whole ten years when making his purchase for RV policy through Progressive Insurance. How long an insurance provider is willing to extend the period that your rate is locked at will depend on a host of factors, just like when asking for a quote.

  • FAQs about RV Insurance

Do all RV insurance policies include roadside assistance?

Am i required to have rv insurance, does rv insurance cover travel outside the us.

While some insurance policies provide liability coverage if you drive your RV to Canada, most American insurers don’t cover travel south of the border. Contact your insurer and ask if extending your liability protection plan is the best option for you. You may be able to get a temporary non-resident insurance card that will protect your RV. In most cases, your insurer will help you find coverage for your travels outside the US.

Does RV insurance cover vandalism?

Will my rv be covered if i lend it to someone to use, is rv insurance required during off-season when i’m not using it or traveling, can i get coverage for my personal items inside the rv, can auto insurance cover my rv instead, is my bus-converted home eligible for rv insurance.

Bus-home conversions are a rapidly-growing trend that several RV insurance companies are adapting into their policies. The type of bus, however, is a prominent deciding factor in coverage, since bus axles differ from traditional RVs and aren’t built to carry a certain amount of weight. Many RV insurance companies avoid school bus-converted homes, as they have a higher risk of rollover accidents. Also, your bus-converted home must be registered as a recreational vehicle for personal use to be eligible for RV-insurance. Depending on the state where you register your vehicle, it may require your bus to comply with several requirements and meet certain standards before registration. It’s important that you check with your local department of motor vehicles beforehand.

How much coverage do I need for my RV?

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Best Travel Trailer Insurance

  • Specialized Auto Insurance
  • Commercial Car Insurance
  • Commercial Truck Insurance
  • Rental Car Insurance
  • Nonowner Car Insurance
  • Rideshare Insurance
  • Travel Trailer Insurance

If you love long road trips ending in a destination somewhere surrounded by trees and under the stars, an RV or travel trailer is a worthwhile investment. A travel trailer (sometimes called a caravan) is a towed road vehicle that’s incapable of moving on its own . Know that your car insurance typically doesn’t extend to your travel trailer, so finding the best travel trailer insurance is important for protecting your investment.

If you have a trailer and you’ve been using it without insurance, you may be putting your family’s financial stability at risk. Use our guide to travel trailer coverage to compare companies and providers before your next big adventure.

The 3 Best Travel Trailor Insurance Companies:

  • Progressive
  • Farmers Insurance

Progressive

  • What's Travel Trailer Insurance?

Travel Trailer Insurance Costs

Travel trailer and rv insurance requirements, how to compare providers, travel trailer coverage provider reviews, get coverage today, what’s travel trailer insurance.

Travel trailer and RV insurance are similar to car insurance policies in that they protect you against financial liability if your travel trailer causes an accident or becomes damaged during a collision . Trailer-specific coverage may provide compensation if your trailer is damaged in an accident, fire or act of vandalism.

Like car insurance , there are a number of different types of travel trailer coverages. You’ll need to compare policies and assess your individual risk before you choose a policy provider. Not every policy provider offers the same level of coverage, so it’s worth the time to gather a number of quotes and policy offerings before you choose a provider.

How is It Different than Car Insurance?

The main difference between car coverage and travel trailer coverage is that travel trailer insurance is not required by law like auto insurance. Some states, like Michigan, do have laws around owning a travel trailer , but do not set insurance requirements.

As long as your travel trailer does not have a motor and is towable only (class C), you’re not legally required to carry any kind of insurance on your trailer unless you live in it full time. If your trailer or RV is drivable and does have a motor, you’ll need insurance just like you need insurance for your car.

What Travel Trailer Insurance Covers

Just like your auto insurance policy provider offers multiple protection and coverage options, your travel trailer coverage provider will extend a number of optional protections for specific situations.

Some of the most common components of travel trailer policies include:

Liability Coverage

If your travel trailer cannot move on its own and doesn’t have a motor, your auto liability insurance will extend to the trailer. However, if you live in your trailer or you use it for camping often, you may want to expand your liability insurance with an additional policy.

Extended liability policies for travel trailers that double as a second home are often akin to homeowners insurance and provide protection against lawsuits if a guest or contractor is injured in your travel trailer.

Liability coverage also covers medical and auto repair bills for third parties whom you injure as a result of an accident or collision involving your trailer. It doesn’t extend any coverage for you or your trailer.

Collision Coverage

Collision coverage policies provide compensation if your travel trailer is damaged during an accident .

Comprehensive Coverage

Comprehensive coverage policies provide compensation if your trailer is damaged in a way other than an accident . Some of the most common comprehensive coverage claims are for damage from fires, vandalism, animals and severe weather.

Travel trailer policies usually don’t cover damage from normal wear and tear, intentional acts and using your trailer in a way that’s illegal or not suggested by the manufacturer (like in a race).

On average, you can expect to pay anywhere from $180 to $1500 per year for your RV or trailer insurance . While this may seem like a wide range, it makes sense when you consider the following.

The specific amount you’ll pay for RV or travel trailer coverage depends upon a number of factors, including but not limited to:

  • How much it would cost to repair or replace your recreational vehicle
  • How often you will use your trailer
  • Where you live
  • The type of coverage you choose

Depending on your plan, you may also have to pay a deductible when making a claim (a set amount of money you'll pay toward repair or replacement costs before your coverage kicks in.)

As long as your travel trailer is not self-powered and doesn’t have a motor, you aren’t legally required to carry insurance on it.

Your auto insurance’s liability coverage extends to your travel trailer as long as it cannot be driven independently . However, if your RV is driven on the road and is self-powered, you are at least subject to the same minimum liability laws in your state that apply to driving a car .

This means that your auto insurance provider usually covers accidents caused by your travel trailer as long as there isn’t an explicit clause in your contract against coverage for hitched vehicles.

For instance, let’s say that you have your travel trailer hitched to your car, you make a turn too quickly and your trailer jackknifes, rolls over and causes a collision. Under most policies, your liability insurance would compensate the driver who crashed into your trailer for medical bills and damage to his or her car, but it won't pay for the repair or replacement of your trailer.

In sum, the most important thing to keep in mind that though auto liability insurance usually extends to travel trailers, collision coverage doesn’t. If you want any form of compensation for damage to your trailer that occurs during an accident, you’ll usually have to purchase a separate policy.

Choosing a reliable travel trailer coverage company doesn’t have to be difficult. A few qualities you should look for in your insurance provider include:

  • Coverage for what you need. Do you need full-time travel trailer coverage or only a comprehensive package? What about roadside assistance, emergency expense coverage or replacement coverage for essentials you keep inside your trailer? The best travel trailer policy providers offer a wide range of packages so you don’t pay for extra insurance you don’t need.
  • Bundling deals . If you have a travel trailer, chances are you also own a car, SUV or truck. Look for insurance providers that offer bundling discounts to save more on both your auto and travel trailer insurance.
  • Additional discounts . No one wants to overpay for their insurance, no matter what type it is. The best insurance providers offer customers options to lower how much they pay in monthly premiums, including choosing a higher deductible or taking a defensive driving course.

Farmers Insurance: Best Overall

Whether you use your travel trailer every day or you only take it out on an occasional summer weekend, Farmers Insurance could be an option. In addition to collision and comprehensive coverage, Farmers Insurance also offers a stationary travel trailer program which provides more extensive coverage for campers who live in their travel trailer full time.

The program affords full-time trailer residents protections similar to homeowners insurance, including comprehensive, liability and medical payment coverage for guests who are injured in the trailer. You can even purchase packages that increase protections on a seasonal basis , which can help trailer owners who only live in their travel trailers part-time avoid paying for excessive insurance.

Farmers Insurance also offers a wide range of add-on protections to complement its comprehensive and collision packages . From total loss replacement coverage that provides a brand new replacement if the trailer is destroyed within five years of the policy start date to emergency expense coverage that pays for lodging if the trailer is damaged more than 50 miles from your home, the agents at Farmers Insurance have created a protection for every type of travel trailer owner.

Progressive Insurance

Want to insure an unconventionally shaped travel trailer but don’t want to pay for the excess coverage that’s usually included with residential travel trailer coverage?

Progressive offers a complete selection of custom packages that allow you to only pay for coverage that you need for your model of travel trailer. For example, Progressive offers unique packages specifically for horse trailers and pop-up tent trailers that cut full-time residential liability protections.

Progressive insures both trailers and motorized RVs along with a host of other essential insurance packages so you can save by bundling your travel trailer, RV, homeowners, auto or other type of insurance together.

Bundling isn’t the only way to save. Progressive also offers a complete menu of discounts that extend beyond additional protection purchases. Through Progressive, you can get a discount on your insurance by getting a quote at least one day before your policy begins, maintaining a safe driving record and even going paperless and opting for online statements and claims documents.

Progressive also offers a unique disappearing deductible policy that subtracts 25% from your deductible for every claim-free period on your policy, all the way down to $0.

Read Benzinga's full Progressive Auto Insurance Review

Nationwide is one of the largest insurance providers in the United States and offers customers a complete range of additional discounts . You’ll probably be eligible for at least one even if you don’t have a current Nationwide policy.

Some ways you can secure a trailer policy discount include staying accident-free for at least 36 months, coming to Nationwide with a claims-free record, attending an approved RV safety course and being a member of an RV club like the National RV Association.

Nationwide’s basic RV protections are complete and comprehensive and can be customized to suit travel trailer owners and those who live in their trailers seasonally with add-ons. Though Nationwide does not currently offer insurance services to residents of every state , its large network and expansive coverage options have earned Nationwide a spot among the best travel trailer coverage providers.

Though insuring your trailer is important, the insurance company you choose will dictate how much protection you receive. Before you choose an insurance provider, take time to speak with a few competing agents and shop around for quotes.

Most insurers allow you to get a quote for your home, auto or travel trailer policy online, and collecting multiple quotes is the best way to make sure you get the most affordable coverage possible.

Do I have to have insurance for my trailer?

Typically, no, you’re not required by law to carry a separate policy for your travel trailer unless it is self-powered and you can drive it on the road. That being said, having coverage is a wise move — it will help protect your investment and keep you and your family on the open road.

Does my auto insurance cover my trailer?

Yes, but with some caveats: your trailer has liability coverage through your standard auto policy while it’s hitched to your car. But theft, repairs and damage aren’t covered. For that type of coverage, you’ll need a standalone or bundled policy.

About Sarah Horvath

Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.

5 Best RV Insurance Companies on the Market Today

Comparing RV insurance companies looking for the right coverage? It’s not an easy task. These are our top five favorites.

5 Best RV Insurance Companies on the Market Today

Choosing from the myriad of best RV insurance companies can be a challenge—and many RV owners don’t know where to start. Since a camper also serves as a bedroom, kitchen, bathroom, and more, it requires a very specific type of policy to ensure proper coverage.

When choosing which RV insurance company you’ll trust with your beloved camper, it’s important to consider a few things:

  • What is actually covered
  • How much you need
  • How much you’re legally required to have

What exactly is the difference between auto and RV insurance? Who is the best RV insurance provider? Will you need full time RV insurance or just part-time vacation liability? Should I find an independent insurance agent that specializes in RVs or choose a nationwide company?

I’ll help you compare five different insurance companies, break down RV insurance, and understand everything it entails!

  • Best RV Insurance Company Overall: Roamly
  • Best RV Insurance for Ancillary Coverage: Good Sam
  • Best RV Insurance Bundles: Progressive
  • Cheapest Rates for RV Insurance: Geico
  • Best RV Insurance for Specialized Plans: National General

Best RV Insurance Companies

Roamly : best rv insurance company overall.

Roamly

Roamly is a unique RV insurance provider because it is one, if not the only insurance company that will let you rent out your RV without losing coverage. It is backed by RV experts and is one of the few RV insurance companies that focuses solely on RV and camper van coverage.

Since their insurance is solely focused on RVs, they offer better coverage at lower rates by leaving out coverages you don’t need. You’re able to cancel, change, or switch your insurance at any time. And their customer support team is in-house and US-based.

According to Roamly, customer Lauren S. got Roamly RV insurance coverage for 33% less than competing agencies, including a multiple-vehicle discount rate. Mike J. also published a testimonial stating that he saved $3,413 per year by switching to Roamly.

Roamly offers two types of liability protection:

  • Property damage liability covers the other person if you’re found at-fault for damaging their property (vehicle, fence, garage door, etc.).
  • Bodily injury liability covers the other person if you’re found at-fault for their injury — be it a driver or pedestrian.

Additionally, they offer:

  • Comprehensive coverage: for your RV that’s non-collision-related (aka hail, theft, vandalism)
  • Collision coverage: pays for repairs on your RV if it collides with another vehicle or object (regardless of fault)
  • Medical payments coverage: will foot your medical bills for you or your passengers
  • Uninsured/underinsured motorist coverage: if an at-fault driver doesn’t have any or enough insurance to cover your repairs or medical costs
  • Roadside assistance: for tows, fuel delivery, jumpstarts, and more

Since Roamly specializes specifically in RV coverage for RV owners, they offer a comprehensive full-time motorhome insurance package if you live in your RV for 6 months or more per year. Full-time RV insurance coverage includes all the above, plus:

  • Loss assessment for HOA fees
  • Emergency expense coverage for temporary housing if your RV isn’t liveable after a covered incident
  • Adjacent structures coverage for any stand-alone structures on your site (porches, carports, decks)
  • Debris removal to clear out rubble after a covered incident

Coverage for RV Owners Renting out their RV

Due to a commercial use exclusion clause, many RV insurers will actually drop your policy if you rent out your RV . Instead, Roamly actually encourages you to rent out your RV by offering owners utilization-based discounts.

The more you rent out your RV, the more discounts you get through their “Rent and Save Money” discount. They are the only company that offers this option.

Commercial RV insurance

If you rent out three or more RVs regularly, Roamly offers a commercial RV insurance policy. It covers all the associated risks with running a business. Roamly lowers rates by only insuring the time between rentals since your customers pay for insurance during the rental period.

Good Sam : Best RV Insurance for Ancillary Coverage

Good Sam RV Insurance

Good Sam insurance agency is considered one of the best RV insurance companies because of its thorough coverage. They are a full-service insurance agency, meaning they offer options from four major insurance providers to create a customized RV insurance quote online.

Beyond their customized quotes, they have a membership you can sign up for that includes discounts from gas stations, camping sites, insurance policies, and more. RV coverage is also available in all 50 states.

Good Sam offers plenty of RV coverage packages, plus unique premium protections. They also offer policies for both full-time and part-time RVers.

Their customer service is available 24 hours a day, 7 days a week. In fact, customers report an average savings of $530 per year, with a 96% overall customer satisfaction rating.

They also cover all types of RVs, with policies available for class A, B, and C motorhomes, airstreams, fifth-wheel trailers, truck campers, travel trailers, and more.

Good Sam’s standard coverage includes collision, comprehensive, uninsured/underinsured, personal liability, property damage liability coverage, bodily injury liability, and personal injury protection. It also covers up to $3,000 in personal property damage.

Their premium RV insurance coverage includes optional full replacement cost coverage, vacation liability, full-timers, emergency expense, medical payments for others not on your policy, permanent attachments coverage (awnings, antennas, etc.), and personal effects.

They even offer an extended warranty to cover recreational vehicle maintenance costs!

Available discounts include:

  • Multi-vehicle discount: up to 20% combining RV and auto into one policy
  • Paid in full: reduce premium when you purchase your annual with one payment
  • Multi-policy: up to 10% when you insure your home
  • Storage: pauses coverage when RV is in storage, save an average of 53% per year

While Good Sam has many perks, it is worth noting that they use National General as one of their RV insurance providers. As a third party, they make money by connecting you with policies and charging a bit more for the RV policy. Ultimately, they are more expensive than working directly with National General.

Progressive : Best RV Insurance Bundles

Progressive

Progressive is one of the largest RV insurance companies in the country, trusted by over 18 million people. Their strengths include heavy discounts and accident forgiveness. Insurance is available in all states except Hawaii and Washington DC.

One great benefit is you can get an RV insurance quote online fast, with lots of customized policies and bundle options if you also own another car, home, etc.

They offer basic liability for recreational vehicles (class A, B, and C), truck campers, all trailer types, fifth-wheels, and pop-up campers.

Progressive’s standard insurance includes comprehensive and collision, liability (only for motorhomes), uninsured or underinsured motorists, and medical coverage for you and your passengers.

Additionally, they offer add-ons such as total loss replacement, roadside assistance, vacation liability, full timer’s liability, loss assessment, pet injury coverage, and emergency expense covered.

They offer 10 major discounts for bundling, paying your annual RV insurance policy up front, getting a quote in advance before purchase, and more:

  • Multi-policy
  • Quote in advance (at least 1 day before policy starts)
  • Original owner
  • Pay policy in full upfront
  • Responsible drive: no accidents/violations in last 3 years
  • Prompt payment: on-time payments
  • Claim free renewal: no at-fault claims
  • Homeowners: own home, condo, townhouse, duplex
  • Continuous insurance: based on the previous insurer

They also offer three accident forgiveness opportunities:

  • Small: won’t increase if the claim is $500 or less
  • Large: after four years of coverage with Progressive, and accident-free for three, your rate won’t increase for any accident
  • Disappearing: subtracts 25% from your deductible amount for every claim-free period, all the way down to zero

One cool aspect of Progressive is their “Name Your Price Tool”. Instead of starting with all the RV policy inclusions you want and then figuring out a price, you can actually insert a desired insurance rate and Progressive will provide you with a range of insurance coverage options within your budget.

Similarly to Good Sam, Progressive uses National General as an insurance provider. This means that Good Sam is simply a third party that is connecting you with National General. They add a fee on top of the insurance price so they can make some sort of profit off the insurance sale.

Geico : Cheapest Rates for RV Insurance

Geico

Geico is an extremely popular insurance company because they have an entire team dedicated to being RV specialists. Their policies are extremely flexible, making it easy to create a custom coverage package.

Researching Geico’s insurance policies is easy since they offer online quotes. Their personal effect replacement limits are up to $100,000, and their windshield deductible covers all repairs and charges only $50 for replacements.

An added bonus is their free accident forgiveness for drivers who have been accident-free for five years or more.

Geico offers the following RV insurance coverage:

  • Motorhome class A, B, and C
  • Emergency expenses
  • Replacement cost of personal effects
  • RV medical payments
  • Special windshield deductible
  • Total loss replacement
  • Toy haulers
  • Travel trailers
  • Vacation liability

While Geico is a popular and well-known insurance company, they don’t offer coverage in all states. If you reside in Hawaii, Massachusetts, Michigan, or North Carolina, you won’t be able to purchase coverage. Their total loss replacement coverage availability also varies widely by state and vehicle value

National General : Best RV Insurance for Specialized Plans

National General

National General offers extensive RV insurance coverage for RV owners with the most customized policies over any other insurance agency. They are available in all states, provide excellent full-time policies, and have 24-hour customer service care, 7 days a week.

They can easily provide an initial RV insurance quote for interested customers, which can be saved for a later time. They even offer a specific discount for seeking out a quote in advance.

National General’s standard coverage includes complete general liability, comprehensive and collision coverage, personal effects, vacation liability, and emergency expenses.

Additional premium coverage options include specialized equipment, full replacement cost coverage, mechanical breakdown, permanent attachment, off-season storage savings, mechanical breakdown coverage, full-timers, and emergency peace of mind.

Their specialty lies in customer service. One of their best features is their search assistance if your RV is stolen or totaled. Their exceptional customer care also includes:

  • Search assistance: research expert to help locate new RV in case of total loss
  • No charge for new parts: in collision, will replace depreciated parts with new
  • 24-hour claims reporting
  • Theft reward: $500 reward if somebody can give a tip to help find the person
  • Pick up and drop off: pick up RV and bring you a rental car and deliver RV after fixed/return rental car for you
  • Free inspection: after initial RV insurance claim is filed
  • Emergency expense coverage: up to $250 per day for food and lodging if you’re more than 50 miles away from home
  • Discounts: safe driver, multi-vehicle (up to 20%), low mileage, and more

Another unique add-on they offer is suspending coverage if your RV is in storage. Many other agencies will provide a discount for this, but National General will actually pause your liability and collision coverage for you, offering savings up to 53%.

As mentioned above, National General is actually the insurance provider for many other insurance companies, such as Good Sam and Progressive. Those other agencies are simply third-party RV insurance companies that charge you more for policies. Insuring directly through National General will cut out extra fees and give you the best rate possible.

What Is RV Insurance?

RV insurance is coverage that protects you against theft, loss, and accidents related to your RV.

Think of it as a hybrid between auto and homeowners insurance. You still need to choose your deductible and coverage limits and create a policy that works for you and your needs.

Most RV insurance policies include liability, comprehensive, collision coverage, and under or uninsured motorist coverage. More extensive coverage takes care of the engine, wheels, automotive parts, and all home belongings within the RV.

RV insurance doesn’t just cover the average RV. It also covers truck campers, teardrop trailers, fifth-wheel trailers, and more. Basically, it can be broken down into two sections: motorized and towable.

Motorized RV insurance covers class A, B, and C vehicles, while towable RV insurance covers travel trailers, teardrop trailers, fifth-wheel trailers, and pop-up campers.

Am I Required To Have RV Insurance?

Usually, yes. If an RV has an engine it is likely required to have its own policy. If you’re using a trailer or a separately attached RV, it’s not as likely required. A towable RV may also be covered under your existing auto insurance policy for the vehicle that you use to tow the RV.

What will determine your requirement is the state you plan to register your RV in. In fact, every state, except Virginia and New Hampshire, requires minimum liability coverage if the vehicle is driven on the road. Over half the states require uninsured or underinsured insurance.

According to CarInsurance.com , “Almost every state requires you to have bodily injury liability insurance to pay for the treatment of anyone you injure; other states operating under no-fault laws will require that you carry personal injury protection to pay for your own injuries. You usually will be required to buy property damage liability to repair the vehicles of anyone you hit.”

A great rule of thumb is: if it’s motorized, it needs insurance. If you tow, insurance is optional ( depending on your state .)

Let’s look at some more factors. If you live and travel in your RV full-time, then the answer is yes. Absolutely. You need RV insurance.

If purchasing through a lender, they may require you to have coverage. In fact, most banks giving you a loan will require you to have some sort of coverage.

What isn’t usually required and is considered optional is comprehensive coverage (theft, windshield damage, vandalism), personal belongings coverage, and medical payment coverage.

Overall, if you only use your RV for one or two trips per year, it may be more cost-efficient to purchase vacation liability or short-term insurance instead. You may even be able to add it to your regular auto insurance temporarily. Plainly put, it doesn’t make sense to pay for insurance year-round if your RV is spending most of its time in storage.

RV Camping

RV Insurance vs Car Insurance

RV insurance is similar to car insurance but has a few more aspects. It requires a bit more detailed coverage options and is definitely more of a specialty.

RV Insurance

RV insurance tends to be more comprehensive than auto insurance. It offers specific protection to RV drivers that might not be covered under regular car insurance.

Not only does it cover the actual mechanical needs of a vehicle, but it will also cover things you may lose if damage occurs while the vehicle is mobile, such as personal items, emergency expenses, and replacement costs.

RV insurance policies tend to look like a mix between auto and home insurance, or maybe even boat insurance!

Car Insurance

Car insurance is for any car on the road. It just covers the basics of a moving vehicle.

It merely focuses on mostly just that: the car. It covers the engine, bodywork, paint, etc. It simply focuses on the V (vehicle) part of RV (recreational vehicle).

It’s worth noting that you can add RV coverage to most car insurance policies. While this may not be as comprehensive as you’d like or need, it is an option. You can also just have an auto insurance policy for your RV if you’d like, but it will only cover the vehicle, not any of the build or items inside the vehicle.

Types of RV Insurance

One major factor that plays heavily into what kind of insurance policy you should get is if you use your RV full-time or part-time. Your policy coverage needs and the cost of your annual premium will definitely vary based on your usage.

Full-Time RV Insurance

If you are on the road full-time, you are statistically more likely to have an accident or damage occur to your vehicle. In this sense, it’s important to consider complete personal liability coverage. It’s similar to liability for a home since your RV is technically your house.

What this coverage does is takes care of you 24/7. The policy is enough to cover personal belongings in the case of damage or theft (expensive items such as electronics, computers, cameras, etc.)

This is a scenario where emergency expenses coverage may be more important than a part-timer. If you live in your RV and something happens or you need mechanical work, or it takes a while for parts to arrive, you can have policy add-ons that cover hotel or food expenses while you’re out of your RV.

For full-time recreational vehicle insurance coverage, it is generally recommended to have:

  • Full collision and comprehensive
  • Personal belongings coverage
  • Total loss replacement cost
  • Full-Time RV liability coverage
  • Emergency expense allowance
  • Specialized coverage (based on upgrades for your RV)

Personal property coverage is really important since break-ins on full-time dwelled vehicles are more likely. If you’re full-time, you also likely keep all of your personal belongings in your RV, so you can be reimbursed if anything were to happen to them.

If you have a pet that lives with you in the RV full-time as well, it is highly recommended to get pet injury coverage.

Part-Time RV Insurance

Part-time insurance can be much simpler than full-time. Generally speaking, it is recommended to have a policy that includes vacation liability coverage and various discounts, such as a storage option or low mileage add-on.

Vacation liability insurance is basically the same as personal liability coverage recommended for full-timers, except the coverage is only for a temporary time frame. This protects you from legal liability of injuries but is only accessible if you’re in the RV part-time.

(Tip: please check with your insurance agency to figure out what they consider “part-time” as it will vary from company to company.)

Storage coverage options offer a discounted rate if you plan to stow away your RV during the off-season. In fact, this policy add-on can actually reduce your premium by up to 53%.

Another great applicable discount is diminishing deductibles! If you drive less, you’re less likely to have to file a claim and after a certain number of years with clean driving history, many RV insurance companies will lower your deductible.

RV Standing on the Roof

What Does RV Insurance Cover?

With RV insurance, there is an abundance of options that allow you to build a policy that perfectly suits your needs.

It can generally be broken down into two sections – standard coverage, and premium add-ons.

Standard coverage includes:

  • Bodily injury liability: you hurt someone while driving
  • Property damage liability: damages you cause while driving
  • Collision: damage to your RV caused by road accidents, regardless of fault
  • Comprehensive: all non-collision damage (fire, wind, theft, etc.)
  • Personal injury protection: medical expenses for yourself and your passengers
  • Uninsured and underinsured motorist: protects against damage caused by drivers with little or no insurance

Premium add-ons include:

  • Roadside assistance: helps if RV breaks down
  • Towing and labor: covers towing costs and mechanical fixes
  • Vacation liability: coverage while using your RV as a temporary home
  • Replacement cost coverage and personal effects: pays to replace RV and anything in it in the case of an accident or heavy damage
  • Full-time usage: coverage if using your RV full-time
  • Trailer coverage: travel trailers and anything you keep in it while attached
  • Emergency expense coverage: pays for temporary housing if your RV isn’t liveable after a covered incident

Most insurance agencies will have some sort of basic RV insurance package that is a great starting point. From there, you can add extra options and discounts to customize your policy.

How Much Does RV Insurance Cost?

On average, RV insurance costs between $1,000-$2,000 per year. However, this really varies depending on your age, state, vehicle, driving records, type of coverage, deductible, discounts, and whether you’re full-time or not.

Typically, part-time RV insurance costs less than auto insurance since they aren’t driven as much, around $1,000 per year. But if you’re full-time, the cost will mirror the price of home insurance, up to $2,000-$3,000 per year.

A great place to start researching prices is by looking at the average policy prices in your state of residence. In some states, the bare minimum for RV insurance starts as low as $200 per year. In other states, it can cost thousands of dollars per year.

Areas with extreme weather usually have higher insurance premiums. More mild-weather areas will be less expensive.

Another telltale is considering your RV’s make, model, mileage, and year. Class As are usually the most expensive to cover since they’re the largest type of motored RV. The bigger the RV, the higher the premium.

Newer vehicles may be less expensive because of potential warranties and are less prone to heavy mechanical work. Older models may be more expensive because they can require more work, be more prone to breakdowns, and have higher mileage.

Don’t forget about premium add-ons! The more add-ons you choose for your RV insurance policy, the more expensive it will be. For example, adding roadside assistance could increase your monthly cost by $20 or more. If your RV has slide-outs or other extra accessories, this can also cost more.

The more discounts you qualify for, the cheaper your policy will be. See if you’re eligible for any of the following discounts: bundling, good driver, original owner, no smoking, paperless, homeowner, pay-in-full, safety features, storage option, or military/government profession.

Additionally, make sure your policy is particular to your financial situation. You can tweak deductible and limit amounts, which will affect your premium. You can pay less per month but you’ll be responsible for more if an accident or damage occurs.

How Much RV Insurance Do I Need?

The amount of insurance you’ll need is going to be very dependent on your particular situation. To start, the minimum insurance required is based on your state of residency. For a few states, insurance isn’t required at all.

Beyond the legal minimum, insurance is all about risk. The more you’re willing to risk, the less you’ll have to pay toward a premium.

It’s important to consider your financial situation, how often you use your RV and the total value of your RV. Build a policy around your budget, your particular vehicle, and the way you use your vehicle.

Think about the type of RV you have, where you plan to travel, how often you plan to travel, extra custom features of the RV, and what you really want to protect. For example, if you have an older camper but a great build-out, it may be worth focusing more on build coverage.

My best advice: make sure you have sufficient insurance to the point that you’re not screwed financially if an accident or large damage occurs.

Other Insurance For The RV Owner & Family

Beyond the normal liability and comprehensive coverage that is recommended for insurance on a motorized vehicle, there are optional policy add-ons that make sense, particularly for RV insurance.

Personal property and attachment coverage

Personal property coverage takes care of just that: all your personal belongings and effects. This includes laptops, TVs, cell phones, etc. Basically, any valuable, personal item that you own and travel with is covered.

Personal attachments coverage is anything externally attached to your vehicle: satellite, TV antenna, awnings, rear box storage, etc. This is especially useful if you have anything large attached to the top section of your van, such as a kayak. If you were to drive under a bridge or parking garage that is too low and caused damage, insurance would cover the costs.

Roadside assistance

Roadside assistance is a great way to relieve the stress of any incidents that occur roadside. You can simply call your insurance company and they will take care of you during an otherwise stressful occurrence.

This additional insurance coverage takes care of multiple costs beyond just towing.

Roadside assistance can also cover:

  • Mechanical or electrical breakdown
  • Battery failure
  • Running out of fuel or other fluids

Keep in mind that most roadside assistance services are only available if you are a specific distance away from home. (The average company states 50 miles or more.)

RV Insurance FAQs

Who is the best insurance for rvs.

Roamly is my top pick for RV insurance.

What Insurance Should I have on my RV?

It depends on your state, how much you use your RV, and how much of a risk you want to take. Most states require a driver to have liability and uninsured/underinsured coverage. Consider this your bare minimum.

Is Full Time RV Insurance Worth it?

If you live in your RV full time, then yes. Absolutely. Even if you use your RV for half of the year, it is worth it. If you travel sporadically, consider getting coverage only for the times you’re using your RV.

Who Insures Motorhomes?

Most commonly: Geico, Good Sam, Progressive, Roamly, National General, Safeco, Nationwide, Farmers, All State, State Farm, RVInsurance.com, Auto-Owners, Blue Sky, Country Financial, and the Hartford.

Who Has the Best RV Insurance Rates?

National General offers the most bundles for the best rates. Plus, they are the insurance provider of other RV insurance companies like Progressive and Good Sam use. Skipping the third party and going directly to NG is cheaper.

Jeremy Scott Foster

Jeremy Scott Foster

No depreciation on Progressive RV, boat and motorcycle policies.

This review sounds like paid advertising. My experience with Roamly has been a nightmare. They wont respond to a single email about a claim. My RV was totaled, i have full coverage, and rather than responding to any of my emails from the assessors they sent duplicative emails asking for the same photos and have continued to say that the damages exactly match the security deposit. Its actually fraud. Do not waste your money, and please be super skeptical of articles like this.

I’m sorry to hear about your experience with Roamly. For clarity, this is not a paid advertisement or sponsored article of any kind. The editorial team will review the article to ensure it doesn’t read as such. Thanks for bringing this to our attention!

We are super happy with Roamly!

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How To Get the Best RV Insurance Coverage for Your Next Road Trip

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Our panel of insurance experts has reviewed the content to ensure that our reporting and statistics are accurate, easy to understand and unbiased.

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SmartFinancial Offers Unbiased, Fact-based Information. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. Learn More

After RV sales soared during the COVID-19 pandemic, the boom in new RV owners has increased demand for RV insurance. [1] Whether you’re cruising your RV across state lines, towing it to a campsite for the summer or living in it full-time, you’ll want adequate liability protection for yourself and physical damage coverage for your RV.

In this article, we’ll explain how RV coverage works and what it costs. We also share tips for choosing the best RV insurance — from looking at customer satisfaction to asking your friends for recommendations.

On This Page

Table Of Content

What Is RV Insurance?

How does rv insurance work, do i need rv insurance, what type of insurance does an rv need, how much does rv insurance cost, how do i get the best rv insurance coverage.

Expand Table of Contents

RV insurance, also known as camper insurance or travel trailer insurance, is an insurance product specifically designed to provide liability protection and often physical damage coverage for recreational vehicles (RVs). Examples of RVs include:

  • Travel trailers (fifth-wheelers)
  • Truck campers
  • Camp trailers

Essentially, an RV is any vehicle with a single chassis that can be used as a temporary or primary residence.

The primary function of RV insurance is to provide liability protection while you’re driving it on the road. Similar to driving your personal car, RV insurance will pay for the other party’s repair or medical bills if you’re responsible for causing an accident. In addition, you can buy extra coverage that covers damages to your RV and your medical bills if you’re injured.

For example, say you’re driving on Route 66 in your Thor Windsport, and your RV encounters a sinkhole that causes significant damage to its front. In this scenario, the comprehensive portion of your policy would cover the resulting damages to your RV.

Much like regular car insurance, RV coverage may have a deductible for claims involving physical damages to your vehicle. However, deductibles generally do not apply with liability claims when you’re responsible for another party’s losses.

For an extra cost, you can add vacation liability coverage for when your RV is parked at a campsite.

Comparable to a renters or homeowners policy, you’re covered for any accidents that occur inside your RV or around the campsite. For example, if a sunshade accessory is knocked loose and lands on somebody’s head, your RV insurance policy may cover their medical bills.

As with driving a standard passenger car, insurance is legally required if you want to drive your RV on a public road. Similarly, the insurance requirements are generally the same, with liability coverage being required in nearly every state.

Of course, the minimum limits will also change based on your state. Let’s look at the insurance requirements in the four states that received the most RV shipments in 2022: [2]

Keep in mind that some states may require you to purchase types of coverage on top of liability insurance, such as personal injury protection and uninsured/underinsured motorist coverage (more on these later).

Do I Need RV Insurance if I Don’t Drive It?

If your state requires passengers to have auto insurance (which is most states), then any motorized RV will need to be insured — even if it’s only for the short time driving it from the dealer to be permanently parked at your home or in an RV park.

On the other hand, there are generally no insurance requirements for non-motorized RVs that must be towed such as a travel or camp trailer.

Instead, the liability coverage of the policy insuring the passenger car or truck towing your RV should extend to your RV while on the road. However, you will either need to buy collision and comprehensive coverage separately or have your RV listed on your auto policy if you want it covered for physical damages.

Even if your RV remains stationary, you should still purchase insurance to protect against personal liability claims when people visit, as well as losses from extreme weather, break-ins and even careless drivers that back into your motorhome.

What if I Live in My RV Full-Time?

Anyone living in their RV will need to look into full-time RV insurance — basically a homeowners policy for a tiny home on wheels. A base RV policy will cover you for liability only while driving but a full-time RV policy can cover accidents when guests visit your RV. For example, you may be covered if a guest trips while climbing the stairs into your RV and breaks their elbow.

If your RV is parked in a formal RV park, you can even buy extra coverage if you’re responsible for damages in common-use areas.

What if I’m Only Renting an RV?

Not everyone owns an RV. In fact, 35 million people look to rent an RV per year. [7] However, insurance requirements will still apply and an RV lessor will usually require comprehensive and collision coverage on top of the state’s minimum requirements.

There are several types of RV insurance coverages available to protect your motorhome, camper or travel trailer. The specific coverage options may vary among insurance providers but here are some common types of insurance for an RV:

  • Liability coverage: This is the most basic and essential coverage that protects you financially if you cause an accident that injures someone else or damages their property while driving.
  • Uninsured/underinsured motorist coverage: This coverage helps pay for damages and injuries caused by a driver who doesn't have insurance or has insufficient coverage.
  • Medical payments coverage (Medpay) : Medpay covers medical expenses if you or your passengers are injured in an accident, regardless of fault.
  • Personal injury protection (PIP): Offered only in certain states , PIP functions similarly to Medpay and provides medical compensation to you and your passengers when injured in a car accident. However, it may cover additional costs like lost wages, rehabilitation and other related expenses.
  • Collision coverage : This coverage pays for the repair or replacement of your RV if it's damaged or totaled in a collision with another vehicle or object, regardless of fault.
  • Comprehensive coverage : Comprehensive insurance provides protection for non-collision incidents, such as theft, vandalism, fire or damage from natural disasters like storms or floods.

Optional Coverages for an RV

Similar to auto insurance, there are additional coverages you can add to your policy to bolster your protection, such as:

  • Personal belongings: As the name would suggest, any valuables you have in your RV will be covered if they’re stolen or vandalized.
  • Full replacement coverage: With this coverage, if your RV is totaled within a certain period after purchase (e..g, be up to three years), the insurance company will provide you with a brand-new RV of similar value. [8] If the RV is over the policy’s purchase period, the insurance company will pay the original sales price.
  • Vacation liability coverage: This type of insurance provides personal liability protection when your RV is stationary and off the road. It covers bodily injury and property damage that occurs at your campsite or temporary location.
  • Roadside assistance : Get coverage for towing, fuel delivery, flat tire assistance and locksmith services.
  • Specialized equipment coverage: Any modifications added to your trailer (e.g., solar panels, suspension alterations) will be protected if they’re damaged by a covered peril.
  • Loss assessment coverage: If your RV is parked in a formal RV community owned by an association, this coverage pays for damages caused by you to common-use areas.

The cost of RV insurance can be as high as $1,300 annually . [9] What you pay will depend on the type of RV you own (Class A, B, C, fifth wheeler, etc.), as well as the vehicle's age, location, driving history and how often you drive your RV.

While it may be tempting to choose the cheapest policy available, there are other important variables to consider when choosing an RV insurance provider. You’ll also want to choose a carrier that has experience insuring RVs, excels in customer satisfaction and has great reviews.

Look at Company Reviews and Customer Service Ratings

The National Association of Insurance Commissioners (NAIC) lets consumers compare complaint indexes for insurance companies. A complaint index of 1.00 is the standard, so a company with an index of 2.0 suggests that the number of complaints it receives is twice as high than what is expected for a company its size.

We’ve provided a table looking at the complaint index for private passenger policies from several large carriers. Nationwide has the best score (0.0), followed by Auto-Owners Insurance (0.49) and State Farm (0.70). [10]

If you’re having trouble deciding on a carrier, consider seeking recommendations on insurance providers from fellow RV owners or RV communities. Their firsthand experiences can offer valuable insights and assist you in making an informed decision.

Compare Quotes

You can then contact multiple insurance providers to request quotes for RV coverage. Alternatively, an easier option is to utilize SmartFinancial, which enables you to input simple information about your RV to get matched with a policy, sometimes in minutes.

Once you have obtained your quotes, compare the options by scrutinizing any exclusions or limitations within the policies, as well as additional benefits or discounts offered. Examples of discounts may include multi-policy discounts , safe driver discounts , RV club membership discounts or safety features discounts.

Review the Terms and Purchase the Policy

You’ll then want to thoroughly read any policy options you have to understand the terms, conditions and specific coverage requirements. Pay close attention to details such as your deductible, coverage limits, the claims processes and fees for canceling your policy.

Once you’ve purchased your policy, periodically review your coverage and shop around as your RV usage or circumstances change to ensure it continues to meet your needs.

When is RV insurance required?

If you plan to drive a motorized RV, then you are required to meet your state’s minimum insurance requirements. If you’re financing the RV, then your lender will likely require you to maintain additional coverage like collision and comprehensive until you repay the loan.

Can my RV be added to my car insurance policy?

Fifth-wheelers and other towable RVs can be added to your existing auto policy . Keep in mind, though, that this may not be adequate coverage for your personal belongings and any personal liability you face if you have guests over and someone gets hurt inside the RV.

Does RV insurance cover water damage?

If your RV policy has comprehensive coverage, then you should be covered for sudden and unexpected water damage.

Is insurance required on a travel trailer?

Travel trailers do not typically have insurance requirements because they are not motorized. However, RV insurance should still be purchased to cover personal liability situations when your vehicle is parked and being used as a living space.

What kind of insurance do I need to rent out my RV?

Typically, you would have the people renting your RV purchase their own temporary RV policy that would include liability, comprehensive and collision coverage. You should have similar RV coverage as well since you own the RV.

  • Middle Market Growth. “ RVs Are Going Mainstream — But Will the Boom Last? ” Accessed June 14, 2023.
  • RV Industry Association. “ 2022 RV Industry Profile Now Available .” Accessed June 14, 2023.
  • California Department of Motor Vehicles. “ Insurance Requirements .” Accessed June 14, 2023.
  • Florida Highway Safety and Motor Vehicles. “ Florida Insurance Requirements .” Accessed June 14, 2023.
  • Ohio Bureau of Motor Vehicles. “ Mandatory Insurance .” Accessed June 14, 2023.
  • Department of Insurance and Financial Services. “ What Auto Insurance Coverage Do I Have to Purchase? ” Accessed June 14, 2023.
  • TechCrunch. “ Outdoorsy, the ‘Airbnb of RVs,’ Rolls up $25 Million in Fresh Funding .” Accessed June 14, 2023.
  • National General. “ RV Insurance .” Accessed June 14, 2023.
  • J.D. Power. “ How Much Is RV Insurance? ” Accessed June 14, 2023.
  • National Association of Insurance Commissioners. “ Consumer Insurance Search Results .” Accessed June 14, 2023.
  • Insurance quotes / 
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  • Best Rv Insurance

Derek San Filippo

Derek has written 100+ articles on property & casualty, health and life insurance topics as an insurance expert for SmartFinancial. Within his decade-long career writing about finances, entertainment, religion and philosophy, Derek spent three years writing financial articles for credit unions throughout the U.S. He prides himself on his ability to translate complex topics into actionable tips for everyday people.

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The Best RV Insurance Companies - Sit Back, Buckle Up, and Enjoy the Ride

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Ever since the worst period of the Great Recession in 2008, the RV industry has seen explosive growth, reaching record highs and surpassing them year after year. Now there are well-over five hundred thousand new recreational vehicles sold in the US annually, and over a million Americans living in RVs full-time.

The economic impact of this rising trend has become so significant that new insurers offering recreational vehicle coverage are popping up left and right.

But with all the noise out there, finding the best RV insurance deal possible has never been harder or more difficult. Read on to learn the necessary details and information to better prepare you for dealing with insurers. This article will give you detailed reviews, shedding light on the best insurance companies out there , so you can sit back and enjoy the ride.

Top RV Insurance Companies for March 2024

Progressive Logo

Progressive

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

One of the largest auto insurance providers in the United States, Progressive also provides popular RV policies in most states with the exception of Washington and Hawaii. With more than eight decades of experience in the industry and solid financial backing, the company is an easy choice for insuring your motorhome and bundling the insurance with other policies.

National General Logo

National General

Founded in 1920, National General (formerly known as GMAC) has been providing insurance services for the last century. In fact, this North Carolina-based firm is the only provider to have started within the automotive industry, originally working with dealerships before it expanded its services to customers. With such a long history, a refined business plan and unprecedented amount of experience, National General remains one of the best RV insurance companies out there.

Good Sam Logo

Good Sam Insurance Agency is not a direct insurer, but instead operates as a broker between customers and some of the best full-time RV insurance firms like National General, Progressive and Safeco. This approach has made the company one of the most-trusted names in the business, with some of the greatest insurance deals available.

Safeco Logo

Founded in 1923 and joining the Liberty Mutual Group in 2008, Safeco has been a staple of the insurance industry for nearly a century. It is known mostly for its home and auto insurance policies, but it also has one of the most popular RV insurance programs in the United States.

780-812/1000

RV America Insurance Logo

RV America Insurance

RV America Insurance was founded in 1979, in Simi Valley, California. The company has been operating as a subsidiary of Brown & Brown of Kentucky since 2012, and provides RV insurance through the largest partner companies in the industry. Some of these names include insurers like Progressive, Allied, Nationwide, Safeco and many others, making RV America one of the best places to compare RV insurance offers.

Featured Snippet Image

5 Best RV Insurance Providers in 2024: Our Picks

  • National General.   Best Customer Support.
  • Good Sam.   Best For Full-Timers.
  • Progressive.   Best for Low Deductibles.
  • Safeco.   Best Coverage Options.
  • RV America.   Best Roadside Assistance.

Detailed Reviews of the RV Insurance Companies

Progressive rv insurance review.

Progressive RV Insurance Review Logo

On Official Website

  • • 24/7 customer support
  • • Great variety of coverage options
  • • Available in 48 states

One of the largest auto insurance providers in the United States, Progressive also provides popular RV policies in most states with the exception of Washington and Hawaii. With more than eight decades of experience in the industry and a solid financial backing, the company is an easy choice for insuring your motorhome and bundling the insurance with other policies. But as the industry grows to record-highs and the competition grows stronger with each day, does Progressive still manage to provide a service good enough to earn it the title of the best RV insurance company? 

Financial Strength: A+

If we were to determine the quality of a company solely by its financial strength rating, Progressive would easily be considered among the very best insurers in the United States. It holds the highest “A+” rating from A.M. Best Ratings Services, which means that the insurer will have no problems paying out any potential customer claims. Progressive also sees the same high financial stability ratings from Standard & Poors where it is rated with an “A,” as well as with Moody’s that rates the company “A2”.

Pricing & Discounts

Progressive also has one of the cheapest RV insurance programs available, as it is possible to purchase a standard policy that goes as low as $125 a year. Premiums and deductibles vary depending on your state and driving history, though, and not all products and plans are available everywhere in the country. 

When it comes to discounts, there are plenty of ways to bring the cost down even further, as Progressive rewards safe drivers and customers who renew their policies without at-fault claims. Other discounts are available to customers who always pay on time, or those that opt to pay for the whole year in advance.

Coverage Options

Progressive covers a wide variety of RVs, including all three major classes and some additional options. Horse trailer, cargo trailer, pop-up tent trailer and mounted truck camper insurance coverages are all available, for instance. The insurance policy includes all the basic options like comprehensive, collision, uninsured/underinsured motorist, medical payments, as well as bodily injury and property damage liability coverage.

The company also has a great selection of optional RV-specific add-ons that include: trailer coverage, emergency expenses coverage, small and large accident forgiveness and pet injury coverage. What’s more, Progressive stands out as one of the rare motorhome insurance companies that can cover you if you drive your RV to Mexico, and it even has a “disappearing deductible” option. With it, you can drop your rate by 25% each year you don’t file a claim, and eventually reach a $0 deductible which will stay that way until you file a claim.

Customer Satisfaction

Customer Progressive RV insurance reviews are well above average, especially for a company that serves millions of policyholders. The customer-support service is available 24/7 and online claims processing and tracking only helps accentuate the quality of the user experience. This is why the Better Business Bureau gives Progressive an A+ rating, and customers on the website award it 3.75/5 stars. However, the RV insurance ratings at Consumer Affairs has a lower score, as the company is rated 2.5/5 stars from 31 customer reviews in the past year.

Final Words

Progressive continues to deliver both quality and variety to potential customers, featuring one of the most comprehensive offers available. Add to this decades of experience and a strong financial backing, and you have a company that is an easy choice for RV insurance wherever you are in the United States.

National General RV Insurance Review

National General RV Insurance Review Logo

  • • World-class customer support
  • • Numerous coverage options
  • • Financially stable

Founded in 1920, National General (formerly known as GMAC) has been providing insurance services for a whole century now. In fact, this North Carolina-based firm is the only provider to have started within the automotive industry, originally working with dealerships before it expanded its services to customers. With such a long history, a refined business plan and unprecedented amount of experience, National General remains one of the best motorhome insurance options available.

Financial Strength: A-

No company could thrive for a hundred years without proving its financial stability and having the ability to pay out customer claims. It is not surprising then, that National General has an “Excellent” A- rating from A.M. Best Ratings Services. The insurer is considered to be a safe option for anyone, with an exceptional ability to meet its ongoing insurance obligations.

There are no clear specifics on the National General website about the range of premiums and deductibles, but the company does offer some of the best RV insurance rates available. Customers can also save an average of $349 annually by using its SmartDiscounts option, with the biggest discount being the bundling of auto and RV policies, which can cut some 20% off the premium. Additionally, your bundled policies are covered by a single deductible, so you will only need to file one claim in the case that both your car and RV are damaged in the same accident.

Other notable discounts available with National General are the Safe/Responsible Driver discount for RV owners with a good driving record, and the Low Mileage discount for customers who only use their RV recreationally. The company will also temporarily suspend your coverage when the vehicle is stored and not on the road, which drives the total cost of RV insurance down even further. Finally, there is a Paid-in-Full discount option for customers who opt to pay for the entire year of insurance in advance, which can be a great option for those with a good financial backing.

National General Insurance Company covers most types of recreational vehicles, with Class A, Class B, Fifth Wheel Trailer and Mounted Truck Campers all being covered by their policies. To find out if your model is covered, however, you will have to get an RV insurance quote through their website and see if you are eligible. If you are, the company’s basic coverage will include all of the most-commonly found options that you would see with any auto insurance policy, but with a couple of RV-specific ones available as well. For instance, National General includes total loss replacement, full timer coverage, belongings and personal effects, permanent attachments, emergency expense allowance and even the rarely seen Mexico insurance coverage for when you are crossing the border in your RV. All in all, it is one of the most comprehensive programs that you’ll find, and it has enough features to satisfy almost any motorhome owner.

National General is among the best rated RV insurance companies when it comes to customer reviews. It holds a 4-star rating on Consumer Affairs, with 94 reviews in the past year, and has an A+ rating with the Better Business Bureau, indicating that it maintains a high commitment to customer satisfaction. One of the most commonly praised things is the company’s customer support service, which is available 24/7, and provides swift solutions to the majority of customer issues. To prove just how much emphasis National General puts on the quality of its customer service, the company will even waive up to $250 off your deductible if you aren’t satisfied with how it is dealing with your claim.

Celebrating a century of success in the insurance business this year, National General is a true example of what a service dedicated to customer-friendly practices is able to accomplish. And while its quotes are certainly not the lowest available, the multitude of discounts and some of the best RV insurance coverage options ensures that almost anyone can find a good deal here.

Good Sam RV Insurance Review

Good Sam RV Insurance Review Logo

  • • Highly customizable plans
  • • Discount variety
  • • Large network of providers

Good Sam Insurance Agency is not a direct insurer, but instead operates as a broker between the customers and some of the best full time RV insurance firms like National General, Progressive and Safeco. This approach has made the company one of the most-trusted names in the business, with some of the greatest insurance deals available. As we begin the next decade of the 21st century and see the industry grow to record highs, however, Good Sam is facing more serious competition than ever, but will it falter, or is its service still as solid as ever?

Financial Strength: N/A

Good Sam is not yet rated by A.M. Best or any other websites that track financial strength and stability of insurers. This is because of the way that Good Sam operates, as it connects the best motorhome insurance firms and customers through its platform, but is not a dedicated insurer itself.

Pricing & Discounts  

Even though the Good Sam website does not disclose details regarding the cost of its RV insurance, the company claims that you can save an average of $500 a year by using one of the offered plans. The rates, of course, vary depending on the driver and the vehicle, but customers have indeed reported saving up to 20% by bundling RV with their auto insurance policy.

The list of discounts extends much longer than just bundling, however, as Good Sam rewards responsible drivers, as well as those with low average mileage and those that pay their insurance in full. The already cheap RV insurance offer can become lower if you suspend your coverage when the vehicle is stored and not in use, and even has a “disappearing” deductible discount to save you more money as long as you keep an accident-free driving record.

Coverage Options  

The Good Sam Insurance Agency provides a great variety of coverage options, making it incredibly easy to customize the policy to fit your personal needs. The standard plan includes all the standard, legally required options like collision, comprehensive, bodily injury, uninsured/underinsured motorist and property damage protection coverage. The optional RV insurance coverage add-on selection is, however, much more robust, and the premium plan option includes full replacement coverage, a storage option, full-timer coverage, multi-vehicle discounts and emergency expense and personal coverages for up to $3,000. All in all, the Good Sam motorhome insurance program is one of the best options out there, especially if you are using your RV full-time.

Since you are not buying insurance for your RV directly from the company, but from one of the insurers in Good Sam’s network, the quality of your customer experience will depend on your choice. Still, Good Sam is given an “A” by the Better Business Bureau, and receives fewer complaints than average. Customers mostly had issues with the RV roadside assistance plan, but other than that the company has positive reviews.

Final Words 

All in all, Good Sam represents possibly the best connecting thread between customers and the largest insurers in the United States. Through this broker-type model of business, the company manages to provide some of the most customizable plans and discounts we’ve seen, making it the best RV insurance for full timers.

Safeco RV Insurance Review

Safeco RV Insurance Review Logo

  • • Strong financial backing
  • • Rarely found coverage options

Founded in 1923 and joining the Liberty Mutual Group in 2008, Safeco has been a staple of the insurance industry for nearly a century. It is known mostly for its home and auto insurance policies, but also has one of the most popular RV insurance programs in the United States. But how does this Seattle-based veteran fare against the best motorhome insurance companies in 2020? 

Financial Strength: A

Seeing as Safeco has become a member of Liberty Mutual Group, one of the largest corporations in America, you do not need to worry about its financial solvency. Safeco has an “Excellent ‘A’” rating from A.M. Best, as well as an “A2” rating from Moody’s. Finally, Standard & Poor’s rates Safeco “A-,” making the scores across the board more than reassuring.

The Safeco website does not show you any indicators about the rates and deductibles that you can expect, as prices vary from driver to driver. Still, the company is considered to have a very competitive RV insurance policy program, which is made even more attractive by the fact that Safeco features a couple of quality discounts.

Some of the things that can take your premium down are passing an accident prevention course, storing your RV during winter, bundling your auto or home insurance policies or choosing the option of a disappearing deductible. You can also get a discount if you install anti-theft devices in the RV.

Even though Safeco’s discount offer is not as extensive as some of the competition, its selection of coverage options remains exceptional. For starters, the basic, low cost RV insurance coverage includes all the legally required options like collision, comprehensive, bodily injury liability, personal injury, medical payments and uninsured/underinsured motorist coverages.

There are also a number of RV-specific options like 24/7 emergency Safeco roadside assistance, belongings & personal effects, and emergency expense allowance coverage. Safeco is also one of the rare insurers that offers pet insurance coverage for RV users, as well as gap and electronic lock and key replacement coverage. Along with Progressive, it is the only company that provides total loss replacement coverage for your RV and protects your motorhome when you are driving through Mexico.

Safeco is not yet rated by the Better Business Bureau, but its parent company Liberty Mutual holds an “A” rating, indicating that it is highly consistent in resolving customer claims. Customers are appreciative of the service provided by the company, as it holds a fantastic 4.5-star rating on Consumer Affairs. One of the key points of praise in their RV insurance reviews of Safeco is the 24/7 claims assistance hotline and the responsiveness of the company’s support staff.

Ever since Safeco joined Liberty Mutual Group, it has cemented its place among the top names in the business. This already-established firm is now more financially stable than ever, with a huge reach and amount of resources available to it. Pair this with world-class customer support and a number of rare coverage options, and you have one of the best rv insurance companies available.

RV America Insurance Review

RV America Insurance Review Logo

  • • Great for comparing rates
  • • Various coverage options
  • • Best roadside assistance

RV America Insurance was founded in 1979, in Simi Valley, California. The company has been operating as a subsidiary of Brown & Brown of Kentucky since 2012, and it provides RV insurance through the largest partner companies in the industry. Some of the names include insurers like Progressive, Allied, Nationwide, Safeco and many others, making RV America one of the best places to compare RV insurance offers and make sure you are getting the greatest deal available.

Because RV America is a broker company that serves as a “middle-man” between customers and dedicated RV insurers, it is not rated by websites for its financial strength. Still, all the partnered companies that work with RV America represent some of the most financially stable names in the industry.

The same goes for insurance premiums, as prices depend on the carrier of your choice, which is why RV America does not state any premium or deductible ranges on its website. What you can get, however, is a quick online quote that compares offers from all the partnered insurers on the list, and reaches out to the one you like the most with just one call.

Most of the partners that work with RV America offer a wide variety of discounts, creating a great selection of best-price RV insurance programs. Some of the deals and discounts include: bundling policies, safe/responsible driver discounts, low mileage and paid-in-full discounts, and “disappearing deductible” discounts that will continually lower your deductible until it reaches $0, as long as you continue to be accident-free.

Coverage Options 

Because it is partnered with so many of the insurance industry leaders, RV America provides a wealth of coverage options to customize your RV policy - from possibly the best RV roadside assistance coverages available, all the way to total loss replacement and Mexico insurance and vacation liability coverages. The company also offers towable coverage, accessories coverage, as well as a high liability limits option, which can go up to $1 million in liability coverage.

RV America is not accredited by the Better Business Bureau, but it holds an “A+” rating with the company, with zero customer reviews so far. The company’s customer service is available from Monday to Saturday during work hours via phone or email.

Ideal for potential customers who appreciate convenience, RV America Insurance is perhaps the best place for getting the most detailed price comparisons from the industry-leading insurers. With a great track record and a highly-customizable coverage plan that can be tailored to suit almost any motorhome owner and the best insurance rates, it is an easy choice for the top-rated RV insurance companies in 2022.

A Detailed Guide to RV Insurance

Before committing to a purchase of an insurance policy for your RV, there are a few certain key things every potential buyer should be familiar with in order to recognize the best deal available. From the factors that will influence your quote, to basic and optional coverage options, the more informed you are, the easier it will be to make the right decision.

Factors That Determine RV Insurance Rates

There are a number of key factors that influence RV insurance quotes, but ten of them in particular are considered the major ones that can move rates up or down by a significant margin.

These factors are:

RV Location - By State and Zip Code

The area you reside in has a big impact on your insurance rates, depending on the cost of living, crime rate or hurricane threat levels for your state or zip code area. This means that your decision on where to store your motorhome when it’s not in use can help you mitigate costs, as you can keep it stored in another zip code or state. Sometimes, you will be required to register the RV in the same state that you reside in, so it is best to discuss this with the insurance agent.

With so many different models and types of RVs out there, there is a wide range of prices that you can see when trying to insure yours. The largest Class A motorhomes are usually the most expensive, while towable RVs and Class C RV insurance costs are substantially lower. If you are at the point where you haven’t purchased an RV yet, we advise that you check the insurance rates for any model that you have in consideration and see how insurance premiums will fit into your budget.

How the RV Is Used

The way you use your RV influences the amount of coverage you will need. For instance, occasional users that drive their motorhome on some weekends or holidays represent a much lower risk than those who use their RV as their permanent residence. Full time RV insurance requires a more extensive coverage, similar to the floating homeowners insurance policy, which is substantially more expensive. Your insurance company will determine your costs by the amount of days a year that your RV is used, which can allow you to adjust your premiums or suspend some coverage while the vehicle is being stored.

Your Driving Record

Insurance companies will always check your driving history, so if you have been in accidents before or have been given multiple traffic tickets, you will be considered at a greater risk for another incident. This will negatively impact your premiums, the same way that a good driving record will lower your RV insurance rates. 

Because RVs are much larger than regular cars, your previous RV driving experience will also come into play. If you are purchasing your first motorhome and have no experience driving RVs, you may get a higher premium than if you had previously owned and driven one.   

Membership with an RV Association

If you are a member of an RV association like Good Sam or FMCA, you may get discounts at RV parks and have access to other lifestyle perks such as reduced premiums with insurers. Many of the largest full time RV insurance companies are partnered with these associations. So, if you are a member you should always mention it to your insurance agent to see if it's possible to get a discount or special pricing. 

Multiple Policy Discounts

As with most insurance policies, you can also pair your RV insurance with home or auto insurance that you already have to get a discount on your premium. It must be noted that not all of the large insurers offer RV policies, which is why it’s important to check if your insurance firm does and can you take advantage of bundling plans for a discount.

Choice of Deductible

The higher your deductible is, the lower your premium gets. This is the rule for every kind of insurance policy that you can get, and the same applies for recreational vehicle insurance. The best strategy to save money is to calculate the highest deductible that you can handle financially in the case of an accident.

Completion of a Safe Driving Course 

Many insurance companies will offer you a discount if you bring them proof that you have completed an approved safe driving or defensive driving course. One of the courses that is commonly approved is provided at the National FMCA Family Reunion Rallies. The course is completed over a period of two days, after which you receive a certificate that you can bring to the insurer. We must note that some states and insurance firms do not provide this discount, so it’s best to check what the case is when it comes to your area.

Credit Score

Your credit rating can affect the RV insurance rates, even though it usually does not lead to big price hikes or discounts. Still, an insurance company usually awards customers who have a good credit score, as it is considered a strong indicator on how they will treat their RV as well.

Insurance Claims History

In the same way that credit and driving histories influence the RV insurance premiums, so does your insurance claims history. This is usually not an issue for the vast majority of potential customers, but those people with a long history of opening insurance accounts and filing claims soon after will be considered as a high risk. In turn, this will make their average cost of RV insurance higher than regular.

Basic RV Insurance Coverage Types

While it’s true that RV insurance policies can differ in coverage types from one insurance company to the other, you can expect these basic coverages to be required and included in your quote estimate.  

Collision Coverage

This type of coverage will reimburse you for damage to your motorhome or camper trailer caused by collision with another vehicle or stationary object, or in the case that your RV rolls over. Collision damage coverage protects you even if you are at fault for the accident, and can include built-in features inside your RV.

Comprehensive Coverage

Commonly known as “other than collision” coverage, it pays for repairs or replaces your motorhome due to damage suffered from various issues that do not include other vehicles and drivers. Some of the issues covered are animal collisions, theft, vandalism, falling debris, fire, storms, floods and other natural disasters.

Liability Coverage

This is one of the mandatory coverage types which helps pay for damage done to the other party when you are involved in an at-fault accident. RV liability insurance covers the costs of repairing or replacing that person’s car, as well as their medical bills in the case of bodily injuries. Liability coverage also includes the legal costs in case the driver files a lawsuit against you.

Medical Payments Coverage

If your RV gets in an accident, regardless of who is at fault, the insurance company will reimburse you and your passengers for any medical bills and funeral expenses, up to the predetermined coverage limit.  

Uninsured/Underinsured Motorist Coverage

This basic coverage type helps cover injury treatment for you and your passengers in case you are hit by a driver who is not insured, or does not have enough insurance to cover your bills. The same coverage applies for damages done to your vehicle if the driver at fault is not covered or has limited insurance coverage.

Contents Coverage

Meant to protect the property inside your motorhome when it’s damaged or destroyed due to fire or lightning, contents RV coverage is usually purchased at a set amount. This means that the claim payout cannot exceed the agreed-upon limit, which is why it’s important to calculate a good estimate of the worth of all the items that are inside your RV.

Optional RV Insurance Coverage Types

These coverage types are optional but can be important to consider, depending on your personal needs:

Full-time Coverage

If you are using an RV as your primary residence, you are required to get full-coverage RV insurance that is similar to a home insurance policy. It will cover the costs of medical expenses and emergencies for anyone injured in or around the RV, as well as a high-limit personal liability insurance when you are parked for long periods of time. Additionally, full time coverage extends to the belongings you keep in storage while you are on the road.

Vacation Liability Coverage 

This optional coverage applies only when your RV is parked off public roads and while it is used for recreational purposes. Your motorhome is then considered a temporary vacation residence, and any injuries or damages that happen to someone inside it are covered by campsite liability. Vacation liability coverage for RV users does not overlap or apply to any loss that is included in the automobile liability coverage, and is strictly limited to the losses at a campsite.

Travel Expenses Coverage

This add-on is meant to cover lodging and transportation expenses until your RV is fixed. Travel expenses coverage only applies when you are at a certain distance from your home--usually at least 50 or 100 miles. 

Total Cost Replacement Coverage

Comprehensive insurance coverage typically pays a depreciated replacement amount in the case that your RV is totaled in an accident or gets stolen. But total cost replacement coverage pays for a full cost of a new RV in the period of your vehicle's first five model years.

Personal Property/Attached Accessories Coverage

This coverage will help protect your valuable equipment like TVs, satellite dishes, cell phones, laptops and other devices inside the RV, while it is on the road or when you are parked. The coverage sometimes extends to cover injuries that your pets may suffer while in your motorhome.

Roadside Assistance

One of the coverage options that is found in almost all auto insurance policies, RV roadside assistance helps you tow your vehicle or fill it up with fuel in case you run out while on the road. Because motorhomes are much more expensive to tow and require more gasoline, this coverage is not automatically included in basic RV insurance policies, but remains equally important.   

Guaranteed Asset Protection Coverage (GAP)

GAP insurance protects you if you have a loan or are leasing your RV. This way, in case your motorhome gets totaled while you still owe money on it, GAP coverage helps pay for the difference between the insurance settlement and the loan amount on the vehicle.

How We Evaluate RV Insurance Providers

The main principles driving our platform have always been transparency and a dedication to customer-friendly practices. This is particularly important when we review products that can have a positive or negative financial impact on our readers.

Therefore, we felt a deeper insight into our review process and methodology used for rating RV insurance companies would be helpful in better understanding the features and services that we value the most.

Financial Strength

The first thing that we look at when reviewing an RV insurance firm is how financially stable it is. Every insurer should always be able to cover the claims of its customers, and knowing that the company you are taking an insurance policy from has a good record and great financial backing means that you can sleep better at night.

RV Insurance Pricing & Discounts

Even though there are always several different variables that influence camper and motorhome insurance rates, companies that offer competitive and lower median prices will be rated more favorably than others. The same goes for the amount of discount options that the reviewed firms provide to their potential and faithful customers, or those companies that go out of their way to reward good behavior.

The best companies will offer more than a competitive RV insurance cost , and will provide their customers with a variety of optional add-ons that will help you craft a policy that suits your personal needs. We will always rate these insurers more favorably than those whose coverage offer is lacking when compared to industry standards in 2022.

The quality of customer support and the overall experience that the customers have with an RV insurance company is essential to the overall rating it will receive on our website. A good history of satisfied customers and a helpful support staff that’s available whenever you try to contact them is something that we prioritize, and it always highly impacts the review.

Further Reading

  • Auto Insurance Carriers for 2024 Reviewed
  • Motorbike Insurance Reviews
  • Arizona Car Insurance - Our Top Picks
  • Top Car Insurers in California for 2024
  • Affordable Car Insurance in Colorado
  • Affordable Car Insurance in New Jersey

What is the difference between a Class A and Class C RV?

Class A RV’s are the largest motorhomes available, defined by their boxy shape and a large framework, as they are often built on a truck or bus chassis. Some of these recreational vehicles are 45 feet long and can use up a gallon of oil in just 8 to 10 miles. Class A RV’s are the preferred option for people living in motorhomes full-time, but they do incur an above-average RV insurance cost.

Class C RV’s are visibly smaller, and are usually built on a van or truck chassis. This vehicle has a cab attached to it, as well as an overhand that extends over the cab and is usually used as a sleeping area. They are also much more economical, as you can drive 10 to 15 miles per gallon.

Why is RV insurance important?

RVs are usually an expensive asset that are important to back financially in the case of possible losses from accidents, theft, vandalism, and weather-related damages. This is even more true in the case that the RV is used as a primary mode of transportation, because the more time you spend on the road, the bigger the chances are that an accident can happen. Recreational vehicle insurance is therefore mandated by law, as these are large vehicles that can cause a lot of damage to other drivers and owners must have liability coverage in case they need to pay for injuries they caused to other people.

How much does it cost to insure an RV?

RV insurance costs widely vary. It can cost as little as $100 or as much as a few thousand dollars annually. The average full-time insurance is around $1,500, but the price depends on a number of factors -- mainly the type of your RV. The large Class A vehicles have the highest full time RV insurance cost levels, while smaller Class B or Class C trailers will be much less expensive. The resale value of the RV is also a significant factor, with new vehicles being more costly to insure than used ones. Other major factors that influence the cost have to do with the level of crime in the area in which your RV will spend most of the time, as well as how frequently it is being driven.

Does insurance cover RV roof leaks?

The top RV Insurance companies will cover the damage your roof experiences due to collision with a tree, a sign, a building or any low hanging obstacles. When insurers write the check for a roof replacement, it has no further liability and considers this to be the end of the claim. Claims based on situations that are considered maintenance, like leaking that occurs around caulking joints are denied on a regular basis, though. Water damage from old A/C gaskets, cracked skylights or exposed screws are also considered to be maintenance-related situations, and will not be covered by insurance.

What kind of RV insurance do I need?

RV insurance is required by law, the same as car insurance. Still, the amount of coverage you need depends on a number of factors, primarily the class of your motorhome and your state requirements. A more comprehensive plan should also be considered if you are planning to cross state or country borders in the RV, or plan to live in it part-time or year-round. On the other hand, if you are only using your recreational vehicle sparsely, the best RV insurance option may be a more limited coverage.

The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

best deal on travel trailer insurance

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

best deal on travel trailer insurance

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

best deal on travel trailer insurance

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

best deal on travel trailer insurance

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

best deal on travel trailer insurance

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

best deal on travel trailer insurance

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

best deal on travel trailer insurance

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

best deal on travel trailer insurance

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

best deal on travel trailer insurance

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

best deal on travel trailer insurance

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

best deal on travel trailer insurance

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

best deal on travel trailer insurance

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

best deal on travel trailer insurance

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

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World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

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This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

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There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

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Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

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If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

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For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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How to Find the Best Travel Insurance

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

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Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

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Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

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Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

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Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

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Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

12 Best Travel Insurance Companies of March 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

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Travelex Insurance Services »

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Allianz Travel Insurance »

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Seven Corners »

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World Nomads Travel Insurance »

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AXA Assistance USA »

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AIG Travel Guard »

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Generali Global Assistance »

Berkshire Hathaway Travel Protec... »

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HTH Travel Insurance »

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Trawick International »

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Tin Leg »

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U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation if plans go awry. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Cancel for Any Reason Add-on
  • Seven Corners: Best for 24/7 Support When Traveling
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • AXA Assistance USA: Best for Coverage of Luggage and Personal Items
  • AIG Travel Guard: Best for Cruise Insurance
  • Generali Global Assistance: Best for Emergency Situations
  • Berkshire Hathaway Travel Protection: Best for Flight Insurance
  • HTH Travel Insurance: Best for Groups
  • Trawick International: Best for Vacation Rental Insurance
  • Tin Leg: Best for Budget-Friendly Plans
  • Nationwide Insurance: Best for Last-Minute Travel Insurance

Best Travel Insurance Companies in Detail

Travelex ».

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Coverage for preexisting conditions

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

World Nomads »

Adventure sports are covered at no additional cost

Explorer plan only promises up to $10,000 in trip protection

  • $10,000 in trip cancellation and trip interruption coverage
  • $3,000 in protection for lost, damaged or stolen baggage, tech equipment and various travel gear
  • Up to $3,000 in trip delay costs
  • $100,000 in emergency medical coverage

All plans include missed connection coverage

Premiums are on the higher end compared to other providers

  • Trip cancellation protection for 100% of the trip cost; 150% for trip interruption
  • Up to $3,000 for baggage that's been lost, damaged or stolen; $600 in bag delay coverage
  • Trip delay coverage worth $1,250
  • $250,000 in emergency medical coverage

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage

Sporting equipment coverage is included in the company's mid-tier plan

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

Berkshire Hathaway Travel Protection »

All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

Generous coverage at the mid-tier level

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Generous coverage among the plans for trip cancellation and interruption

Determining the right plan may be overwhelming, with 15-plus options to choose from

  • 100% for trip cancellation (up to $100,000); 150% for trip interruption (up to $150,000)
  • Up to $2,500 for lost, damaged or stolen bags; up to $600 for luggage delays
  • Up to $3,000 for trip delays; $1,000 for missed connections
  • Up to $250,000 for emergency medical expenses

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Variety of plans to choose from

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong spring 2024 trip to Italy for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. (add text and link to checked luggage). This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

Travel insurance works similarly to other types of insurance, except that travel insurance intends to cover unforeseeable events. In most cases, you will pay a flat fee for a policy that covers an individual trip and all its components – like airfare, your accommodations and any prepaid excursions. However, if you travel more than a few times per year, and especially if your trips are on the pricey side, you can also buy an annual travel insurance policy.

Benefits vary among travel insurance providers and policies, meaning some travel insurance plans cover more scenarios than others, and some offer higher coverage limits as well. For example, some travel insurance policies might only offer trip cancellation coverage worth up to $2,500 per traveler, while others offer the same benefit worth up to $100,000.

With this in mind, travel insurance works like other insurance plans in the sense that you can buy a basic level of coverage or full coverage that will reimburse you up to incredibly high limits. The choice is up to you, and you should decide based on how much coverage you think you need to feel secure.

However, you should keep in mind that travel insurance cannot cover every potential situation you encounter before or during a trip. Many travel insurance policies list an array of exclusions you should know about, like war or preexisting circumstances. Several policies also offer named peril coverage that only covers the situations specifically outlined in your policy.

Travel insurance may cost anywhere from $50 to $1,500 or more. The cost of travel insurance varies depending on the age of the travelers in your group, the total cost of your trip and other factors. Travel insurance for seniors is typically more costly due to the increased likelihood of health-related issues. The total cost of your trip will also help determine the cost of your travel insurance plan since more expensive trips require higher coverage limits.

Interestingly enough, the length of your trip and the destination you are visiting will not typically affect the cost of travel insurance coverage. Further, your health may not be part of the equation either, and travel insurance companies even refrain from asking health questions when you apply for a travel insurance quote. This doesn't mean that preexisting conditions will be covered, however, so you'll want to check the details.

As an example, a few sample trip insurance quotes for a married couple who are both 40 and live in New York City are below:

  • Travel insurance for an eight-day trip to Florida with a purchase price of $3,500 might run about $85 to $385.
  • Travel insurance for an eight-day trip to Mexico with a purchase price of $5,000 could cost anywhere from $120 to $415.
  • Travel insurance for an eight-day trip to the United Kingdom with a purchase price of $7,500 may cost around $185 to $575.

The price of the plan you select will depend on how much coverage you want. Keep in mind, there are plenty of companies that offer affordable travel insurance plans if your main priority is getting a policy at a budget-friendly price. See the U.S. News list of the Cheapest Travel Insurance Companies .

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or World Nomads, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance, World Nomads Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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