You just bought your dream RV, and now you're staring at insurance quotes. Your auto insurance agent says bundling will save you money. Sounds great, right?

Bundling auto and home insurance can save an average of 15% annually, or just over $700, but that discount might cost you way more if your RV isn't properly covered when you need it most.

RV insurance isn't like insuring your sedan. Your rig needs specialized protection that many traditional insurers simply don't understand. Let's break down what bundling really means for your RV, when it makes sense, and when you're better off going with a specialist who actually gets the RV lifestyle.

What is Bundling RV Insurance?

Bundling means purchasing multiple insurance policies from the same provider, combining your RV coverage with existing auto, home, or other policies for a multi-policy discount. Insurers usually offer discounts to consumers for "bundling" or purchasing several types of insurance from the same company.

Most traditional insurers treat your RV as an auto or homeowners policy add-on. They'll give you a discount, sometimes up to 25%, for keeping everything under one roof. It sounds convenient, and it is.

But here's the catch. When you file a claim for something inside your RV, like water damage to your kitchen or bathroom, it often counts against your homeowners’ policy instead of being treated separately. This can spike rates across all your bundled policies, not just your RV coverage.

How Much Can You Save by Bundling RV Insurance?

Bundling your home and auto insurance can save you up to 25%, depending on your insurance company and personal profile, and similar discounts apply when adding RV coverage to existing policies.

The math looks tempting at first glance. If you pay $1,500 annually for standalone RV insurance, a 20% bundling discount saves you $300 annually. That's real money back in your adventure fund.

However, savings aren't everything. In some instances, you may save more by going with different insurers. The question isn't just "am I saving money?" but "am I getting the right coverage for what I actually need?"

What Are the Real Benefits of Bundling RV Insurance?

Beyond cost savings, bundling your RV insurance with other policies offers simplified billing and streamlined claims processes when one incident affects multiple assets.

Having everything in one place means one bill to pay, one renewal date to remember, and one phone number when something goes wrong. If a storm damages both your home and your RV parked in the driveway, you're dealing with one claims adjuster instead of juggling multiple companies.

Bundling is extremely common among insurance consumers, primarily because of convenience. Many insurers also offer loyalty perks like accident forgiveness or diminishing deductibles when you stick with them across multiple policies.

What's Missing When You Bundle RV Insurance with Traditional Carriers?

RV-specific coverage gaps are the biggest risk when bundling with carriers that don't specialize in recreational vehicles, including protection for roof breakdowns, full-timer liability, and emergency expense coverage that most auto/home insurers don't understand.

Traditional insurers often miss critical RV coverages because they're designed for homes and cars, not mobile living spaces. Your standard homeowners policy doesn't account for things like slide-out failures, refrigerator cooling systems, or the unique liability of having people visit your RV at a campground.

Moreover, standard bundled policies often cap RV coverage at levels that leave expensive motorhomes significantly underinsured.

When Does Bundling Make Sense for RV Owners?

Bundling works best for occasional RV users with basic travel trailers who already have strong relationships with insurers and prioritize convenience over specialized coverage depth.

If you use your RV maybe 10-15 days per year for weekend camping trips, and your current insurer offers proper RV coverage, bundling might work fine. The keyword here is "proper." Ask specific questions about what's covered.

But specialized coverage becomes essential if you're a full-timer, live in your RV more than 150 nights yearly, or own a high-value motorhome. Full-time RV insurance ranges from $1,500 to $4,000 per year, and it reflects the comprehensive protection needed when your RV is your home.

What Should You Look for in RV-Specific Insurance?

Quality RV insurance should include coverage for:

• Attached accessories and upgrades
• Vacation liability when parked
• Emergency expense coverage
• Personal effects replacement
• Total loss replacement for newer RVs, and
• 24/7 roadside assistance that actually works nationwide.

These aren't just nice-to-haves. They're essentials that protect your investment and your peace of mind on the road. When comparing policies, ask if they cover awning damage, solar panel systems, lithium battery banks, and custom cabinetry.

The best RV insurance comes from providers who understand the lifestyle. They know the difference between a Class A, Class B, and Class C motorhome. They get why full-timers need different coverage than weekend warriors.

How to Compare Bundled vs. Standalone RV Insurance

Get detailed quotes from your current insurer's bundled option and at least two RV specialists, then compare coverage limits, deductibles, specific RV endorsements, claims processes, and the true annual cost, including all discounts.

Don't, just look at the bottom-line premium. Read the policy details. What's actually covered? What are the limits? What's excluded? A cheaper policy that doesn't cover roof damage or pest issues could cost you thousands more when you need it.

Ask about claims scenarios specific to RVs. What happens if your RV is damaged 1,000 miles from home? Will they pay for emergency accommodations while it's being repaired? These real-world situations reveal whether a policy is RV-ready or pretending to be.

Why Insure your RV with Roamly?

At Roamly, we've built our entire business around recreational vehicles. We don't bundle your policies with home or auto insurance because we believe your RV needs dedicated protection, not divided attention. Our specialized coverage includes everything from roof breakdowns to pest damage repair, with policies tailored specifically for your RV lifestyle.

Get your free quote in under 5 minutes. See why thousands of RV owners trust Roamly to protect their adventures.