Best RV insurance: Top providers and coverage options

Written by: Warren Clarke
• Updated •5 min read
This date may not reflect recent changes in individual terms.
Distant view of a woman sitting near her camper van using with the sunset in the backgroundImage: Distant view of a woman sitting near her camper van using with the sunset in the background

In a Nutshell

Your RV blends the comforts of a home with a vehicle's mobility. Our picks for the best RV insurance providers have helpful coverage options specific to this unique form of transportation.
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Whether you use it for weekend getaways or extended excursions, your RV can be a home on wheels. Many auto insurers provide a range of RV insurance — so whether you want coverage for a small camper van or a king-size Class A motorhome, you should be able to find a policy that fits the bill.  

In picking the best RV insurance providers, we considered each company’s selection of discounts and products. We also looked at A.M. Best ratings for financial stability and consumer complaints from the National Association of Insurance Commissioners (NAIC). Here are some of the best insurance providers for different RV owners.   

Best overall: Nationwide

Why Nationwide stands out above the rest: Nationwide offers a broad range of insurance products, including optional coverages that allow you to customize your policy.  This insurer also provides a robust selection of car insurance discounts and a free yearly assessment to help you make the most of any money-saving opportunities. 

What to know about Nationwide

Nationwide offers comprehensive, collision and liability coverage plus other coverage for RVs including:

  • Vacation liability coverage, which can protect you if there’s an accident on the premises while you’re using your RV as a temporary residence.
  • Replacement cost and scheduled personal effects coverage, which normally pays before all other policies to limit your need to file a homeowners insurance claim.
  • Medical payments coverage, which can cover medical bills for you and your passengers if your RV is in an accident, regardless of who’s at fault.
  • Property damage liability coverage, which can pay for property damage you’ve caused while driving your RV.

Nationwide offers various ways to save, including multi-policy, multi-vehicle and safe-driver discounts. The insurer also features On Your Side, a free yearly insurance assessment to help you identify any discounts you might be eligible for and select the best coverage for your situation. 

Nationwide performed well in a study of customer complaints within the insurance industry. Note that Nationwide isn’t available in all states. 

Read our full review of Nationwide. 

Best for customized coverage: Progressive

Why Progressive could be a good choice for customized RV coverage: With Progressive, you can customize your RV insurance with a range of specialized coverages including pet injury and pest damage, roof protection and vacation liability. Progressive also offers policies for many different types of RVs.  

What to know about Progressive

Other coverage options from Progressive — in addition to basics like comprehensive, collision, bodily injury liability and uninsured/underinsured motorist — that are custom-tailored to RV owners include:

  • Total loss replacement, which can pay for a brand-new replacement if you total your RV in an accident.
  • Replacement costs/personal effects coverage, which protects personal items within your RV, such as smartphones or camera equipment.
  • Full timer’s liability, which provides liability coverage if you use your RV as a permanent residence.
  • Emergency expense coverage, which can cover transportation and hotel costs if your RV is disabled while you’re on vacation more than 50 miles from home.

Progressive is available nationwide and offers coverage for a range of RVs, including Class A, B and C motorhomes, cargo and horse trailers, fifth-wheel trailers, utility trailers, pop-up campers and truck campers.

Read our full review of Progressive. 

Best for part-time RV users: National General

Why National General could be a good choice for part-time RV users: Some part-time RV users keep their vehicles parked or stored for part of the year. If that sounds like you, you may wonder if reducing coverage during the months you aren’t driving the vehicle is possible. 

National General offers a policy solution with that benefit. The company’s Storage Savings option pauses liability and collision coverage when the RV is not in use, potentially saving you up to 53% on your premium.  

What to know about National General

If you spend a lot of time in your RV or use it as a primary residence, National General —which is owned by Allstate — may be able to cover all the bases. Coverage options include:

  • Personal belongings coverage, which can protect items within the RV, like laptops and linens.
  • Full replacement cost coverage, which replaces your RV with a comparable new model if it’s declared a total loss within its first three model years.
  • Vacation liability coverage, which can protect you against damage during camping.
  • Specialized equipment coverage, which can cover aftermarket additions like solar panels and custom wheels.
  • Permanent attachments coverage, which can protect items permanently attached to your RV, such as an awning.

Best for customer service: The Hartford

Why The Hartford could be a good choice for RV insurance: The Hartford has a record of exceptional customer service. The company took the top spot in a recent J.D. Power study evaluating auto claims satisfaction. Note that J.D. Power does not take RV insurance into consideration when creating its rankings. In addition, members of AARP are eligible for special perks and discounts through The Hartford.

What to know about The Hartford

The Hartford is available in most states and offers discounts such as accident forgiveness, disappearing deductible and RecoverCare, which can help you with up to $2,500 to pay for transportation, cooking and cleaning if you’re injured in an accident. Eligibility for certain benefits requires AARP membership, which costs $12 to $16 per year and is available only to those 50 and older.

Customizable RV insurance policies are available, with coverage including: 

  • Medical payment, collision, bodily injury and property damage coverages. 
  • Help finding trusted repair centers if your RV is damaged in a covered loss for as long as you have your RV.
  • Vehicle replacement if you total your RV within the first 15 months or 15,000 miles of ownership.

Read our full review of The Hartford.

FAQs about RV insurance

I have a travel trailer that I pull with my car. Do I need RV insurance?

States don’t legally require you to insure a vehicle you’re pulling with your car or truck. But if you’re financing your travel trailer, the lender may require comprehensive and collision coverage. 

How can I get the best rates on RV insurance?

If you store your RV, choose a secure facility since the storage location may impact your rates. As with standard car insurance, a good driving record will help your monthly premium. Also, make sure you tap into any discounts that can help reduce your RV insurance bill.  

If I use my RV part-time, should I cancel my insurance while it’s in storage?

While it might save you money in the short term, it’s not a good idea to cancel your RV insurance while it’s in storage. A parked vehicle could be damaged or destroyed due to fire, flood or theft. Maintaining coverage for these risks helps ensure you’re always protected. 

How we picked these insurers

We considered availability, policy options, and discounts to arrive at our choices. We evaluated A.M. Best ratings regarding financial health and factored in NAIC data that compared each company’s total complaints against a national index. We also considered discount options and range of services.

About the author: Warren Clarke is a writer whose work has been published by Edmunds.com and the New York Daily News. He enjoys providing readers with information that can make their lives happier and more expansive. Warren holds a Bac… Read more.