Home Vehicle Insurance RV insurance may protect your motorhome or travel trailer; here are the...

RV insurance may protect your motorhome or travel trailer; here are the four top providers.

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RV insurance is a wise decision for protecting your travel trailer or motorhome.

If you want to travel with an RV this summer, be sure you have the proper insurance for your motorhome, trailer, or camper.

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The sort of insurance necessary for your RV will be primarily determined by its model. Motorhomes or RVs that can travel independently of another vehicle (for example, Class A, B, and C motorhomes) usually require their coverage. A travel trailer — or a trailer pulled behind another vehicle — may be protected under a portion of your auto insurance policy, especially liability insurance, but having additional coverage may be prudent.

Motorhome insurance regulations vary by state, much as vehicle insurance. Most states require RVs to have at least liability insurance. However, liability insurance only covers the losses you cause to others, which are typically in the form of both property damage and injuries. If your RV is damaged, having insurance that extends beyond liability coverage, such as comprehensive and collision coverage, may help you repair or replace it. It may also be necessary if you have an RV loan.

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Best RV insurance providers

Geico is the best overall.

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Progressive was the runner-up.

Allstate is the best for RVs.

Nationwide is the best location for travel trailers.

The best overall

Because of its excellent financial soundness and customer satisfaction rankings, Geico is one of Select’s top picks for vehicle insurance coverage, so it stands to reason that it is also a strong contender in the RV industry. Geico’s coverage can work for a wide range of RV owners since it covers a wide range of RVs, including both motorhomes and trailer-style RVs. And, because Geico offers a discount for insuring more than one vehicle, combining your RV’s coverage with your auto insurance coverage might be a fantastic way to save.
Runner-up
Progressive is a good candidate due to the vast range of RVs it covers and the numerous savings it offers. Progressive’s coverage may be an especially great choice for full-time RV life since the firm will work with customers who live in an RV for more than six months of the year. (It’s worth noting that if you live in your RV for longer than this time frame with part-time coverage and need to submit a claim, your claim may be refused.) Progressive’s coverage might be a good alternative whether you live in your RV or park it in your driveway.

Ideal for motorhomes.

Allstate provides coverage for a wide range of motorhomes, including Class A, B, C, and motorhomes (bigger RVs constructed on semi-truck chassis). Allstate’s coverage includes a full-time RVer option, as well as tow bar coverage, vacation liability, and emergency spending coverage. While it is not available for RVs older than 20 years, Allstate’s coverage may be suitable for many motorhome owners.

Most suitable for travel trailers

Nationwide was placed first in our ranking of the top vehicle insurance providers for broad coverage, and its RV coverage is excellent. It provides eight benefits, including discounts for RV organization memberships, completion of RV safety courses, and insuring multiple vehicles. It also has a great track record of providing excellent customer service, having an average NAIC complaint index.

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