Personal Insurance
Recreational Vehicle Insurance
Coverage options for motorhomes, campers, and travel trailers.
Coverage overview
RV insurance combines auto-style coverages with protections tailored to how the RV is used, such as coverage for personal belongings and vacation liability, and full-timer options for those who live in their RV.
The available coverages differ between motorized RVs and towable trailers, and by carrier and state.
Who may need this coverage
- Owners of Class A, B, or C motorhomes
- Owners of travel trailers, fifth wheels, or campers
- Full-time RVers who use the RV as a residence
- Owners financing an RV with coverage requirements
Common coverage considerations
- Differences between motorhome and towable coverage
- Personal effects and attached accessories coverage
- Vacation liability while the RV is parked and in use
- Full-timer coverage for those living in the RV
- Roadside assistance and towing for larger vehicles
What may not be covered
- Everyday wear, mechanical breakdown, and maintenance
- Business use that requires commercial coverage
- Some belongings above scheduled or included limits
- Perils specifically excluded by the policy
Factors that may affect price or eligibility
- The RV class, value, and how it's used
- Full-time vs. seasonal or occasional use
- Coverage selections, limits, and deductibles
- Storage location and driving/towing history
Information commonly needed for a quote
- Year, make, model, and type (motorized or towable)
- How often and how far you travel
- Whether you use the RV full-time
- Attached accessories and belongings to protect
A practical example
A family's parked travel trailer is damaged by a falling branch during a storm at a campsite. Depending on coverage, physical damage protection may help repair the trailer, and personal effects coverage may help with damaged belongings inside — each subject to limits and the deductible.
Questions to ask a licensed professional
- Do I need full-timer coverage for how I use my RV?
- How are my personal belongings covered while traveling?
- Is vacation liability included when the RV is set up?
- What roadside assistance is available for my RV's size?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
Let's Protect What Matters to You.
Tell us what you need to protect, and a licensed insurance professional can help you explore available options.