RV insurance needs vary dramatically by rig type, with motorhomes requiring liability coverage and comprehensive policies that vary significantly based on class, value, and usage. Travel trailers and toy haulers have different insurance considerations than motorized RVs. Whether you're rolling in a Class A palace or pulling a pop-up camper, getting the right coverage means understanding what your specific rig needs—and what it doesn't.
Don't worry, we've all been there. Standing in an insurance office trying to explain why your house has wheels while an agent flips through forms meant for sedans. Let's cut through the confusion and get you covered properly so that you can focus on the fun stuff.
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Class A motorhomes require the most comprehensive coverage due to their size and value, with annual premiums varying significantly based on the specific vehicle and coverage selected. According to industry data, these large motorhomes typically have higher insurance costs than other RV classes due to their substantial replacement values.
These rolling mansions—ranging from 21-40 feet and often valued in the hundreds of thousands—need serious protection. Here's what your Class A coverage should include:
Required Coverage:
Essential Add-Ons:
Full-Timer Extras: If your Class A is home for more than six months yearly, you'll need full-time RV insurance with enhanced coverage similar to homeowners insurance, including personal liability and loss assessment coverage.
Class B and Class C RV insurance typically costs less than Class A coverage due to their smaller size and lower replacement values. Class B camper vans are generally the most affordable motorhomes to insure, while Class C units fall in the middle range.
Class B (Camper Vans):
Class C (Mini-Motorhomes):
Both classes need the same basic coverage as Class A units, but cost less to insure due to lower replacement values and repair costs. All motorized RVs must meet federal motor vehicle safety standards and insurance requirements as outlined by the Federal Motor Carrier Safety Administration (FMCSA), regardless of their size or class.
Travel trailers don't require liability insurance since your tow vehicle's coverage extends to the trailer, but you'll want comprehensive and collision coverage to protect the trailer itself. While not legally required, most lenders mandate comprehensive and collision coverage for financed trailers.
Here's the breakdown for towable RVs:
What Your Auto Insurance Covers:
What It Doesn't Cover:
Recommended Travel Trailer Coverage:
Travel trailer insurance is typically more affordable than motorhome coverage, making separate protection a wise investment for most RV owners. For a detailed breakdown of travel trailer insurance costs, including factors that affect your specific rates, our comprehensive guide covers everything from basic liability to full-timer protection.
Toy hauler insurance requires special attention to cargo coverage since the "toys" inside often exceed the trailer's value. These specialized RVs need coverage that accounts for both the living space and the valuable recreational vehicles stored inside.
Toy haulers present unique challenges:
Essential Toy Hauler Coverage:
Toy hauler insurance costs vary significantly based on the trailer's value and the worth of the recreational vehicles stored inside.
Full-time RV insurance requires additional coverages similar to homeowners' insurance. If you live in your RV more than six months yearly or use it as your primary residence, you need broader coverage, including personal liability, medical payments, and loss assessment.
Additional Full-Timer Protections:
Why Standard RV Insurance Isn't Enough: Regular recreational coverage assumes you have a stick-and-brick home as backup. When your RV is your only home, you need protection that reflects that reality.
Many insurers, including Roamly, specialize in full-timer coverage and understand the unique lifestyle needs of people who've made the leap to life on the road.
Fifth-wheel insurance costs vary based on size and value, while pop-up campers typically have the lowest insurance costs among all RV types. These specialty RVs each have unique insurance considerations based on their construction and usage patterns.
Fifth Wheels:
Pop-Up/Tent Trailers:
Teardrop Trailers:
Bundling RV insurance with auto or home coverage typically provides premium discounts. Multi-policy discounts are commonly offered by insurers, along with additional savings opportunities for responsible drivers and safety-conscious RV owners.
Money-Saving Bundling Options:
Other Ways to Save:
The key is working with an insurer who understands RV life and offers discounts that actually match how you use your rig. To explore all available coverage options for your specific RV type, check out our guide to types of RV insurance plans that cover everything from basic liability to specialized full-timer protection.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.