What's RV insurance?
RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.
If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.
Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.
Insurance for travel trailers
If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.
If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.
Ways to cover your motorhome
RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.
Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.
Insuring a pop-up camper
On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.
Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.
Coverage for slide-on campers
We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.
Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.
Insurance for fifth-wheel trailers
You can get comprehensive, collision, roadside assistance and vacation liability coverage.
If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.
Why get a policy through the USAA Insurance Agency?
Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.
We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925.
How much is RV insurance?
You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes. See note 2
RV insurance FAQ
Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.
Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.
Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.
Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.
It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.
Your auto insurance usually won't pay to repair or replace your RV.
It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.
It usually won't cover:
- RVs with more than four wheels.
- Drivers not listed on your policy.
- Rentals longer than 30 days.
- The full value of the RV.
- Certain damage to the RV while it's parked.
Explore new places with RV insurance.
Have more questions?
Use our alliance with Progressive to help you get the coverage that fits your needs.
Call Progressive.
