Owning an RV comes with a lot of benefits – whether you use it for long trips or as an extra apartment for guests. Recreational vehicles provide an extra source of income for owners. Just like any other vehicle, it is important to get insurance coverage for your RV. In many states in the United States, the law requires all RV owners to insure their RVs against accidents and other unforeseen circumstances.

For example, RV insurance protects you financially should your motorhome get damaged during a storm. It is important to keep your RV safe at all times. However, there are situations, where you can not save your vehicle, especially in life-threatening events. Having a guide to RV insurance can improve your chances of getting the best insurance deal.


What Is An RV Insurance?

RVs range from camper vans to large motorhomes and are available in different classes, namely: Class A, Class B, and Class C. An RV insurance protects your vehicle against loss or damage and varies from one class to another. RV insurance policyholders can select deductibles and policy limits, depending on their preferences.

Interestingly, RV renters have their insurance covered by the rental company. This insurance policy covers automotive parts like the wheels, engine, home belongings, and many more.

Best RV Insurance Companies

In this guide, we have listed some of the best companies that offer top RV insurance deals for both owners and renters.

National General Insurance

National General is one of the most-rated RV insurance company in the United States. Since 1960, the North Carolina-based company has had an A+ rating from the Better Business Bureau. It is one insurance firm that has stood the test of time and one many RV owners trusts. An amazing feature you get from this company is their endless list of customization options.

Their online platform provides easy access to online quotes that are as low as $271 (prediscount) and cover comprehensive and collision, RV emergency expenses, vacation liability, and personal effects. Regardless of your RV class, National General has you covered. Owners whose RVs have been stolen or totalled can get search assistance, a theft reward of $500 for individuals with leading information, and an identical RV to use.

Owners far away from home do not have to worry about food and lodging expenses as the company provides a daily emergency coverage of $250. They have top-rated mechanics that inspect your RV for free after repairs.


Established in 1926 and formerly known as Farm Bureau Mutual Automobile Insurance Company, Nationwide is a BBB A+ rated company that provides a wide range of insurance product for all insurance policyholder, including RV owners. Interestingly, they provide the best discounts on all their products and classes of RVs. For motorhomes, you can get insured up to $500,000 and $300,000 for rigs.

Nationwide also provides the best deals on comprehensive and collision, which comprise roadside assistance of $750, purchase price coverage or total loss replacement, $1,000 custom equipment coverage, and $10,000 vacation liability. Other options include increased roadside assistance, vanishing deductibles, personal effects replacement cost, and coverage for journeys in Mexico.


Progressive is one of the largest insurance companies in the United States. Founded in 1937, this insurance firm provides a broad spectrum of products for policyholders, including RV insurance. They are rated AA by Standard & Poor’s and A+ (Superior) by AM Best. RV owners can easily access quotes online. They also provide discounts, though not as robust as Nationwide.

Insurance coverage includes comprehensive and collision, uninsured motorists, liability for motorhomes, and medical payments for occupants. There are additional features you can include, such as roadside assistance, total loss replacement, loss assessment pet injury, full-timer’s liability, vacation liability ranging from $10,000 to $500,000, and emergency expense coverage.