how much is travel trailer insurance

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RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

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Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

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How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

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Travel Trailer Insurance

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RV Insurance: Get the answers you need.

• Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
• How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
• What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

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Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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How Much Is Travel Trailer Insurance (Lower Average Cost)

• November 22, 2018 /
• RVing 101 /
• By R. Geraldi

Having a home on wheels away from home is thrilling. Every day a new location, new people, and new sights. However, having a travel trailer, an RV, or a camper comes with some responsibilities.

If you’re an owner of a travel trailer or you are just renting one, insurance is something that should be your top priority. Ensuring your travel trailer is just as important as ensuring your house and car. It will give you a piece of mind. However, ensuring your travel trailer can be somewhat tricky. Camping trailer insurance rates vary based on the type of trailer and the type of insurance. Liability and collision insurances are a must, but you also have to think about theft and damage insurances.

Now, the first logical question is “how much is travel trailer insurance?” Depending on the type of your travel trailer, the cost to ensure a travel trailer varies.

Average Cost to Ensure a Travel Trailer

Travel trailer insurance rates can be anywhere between $170 and $1400 . The prices vary and depend on many factors — the size of the trailer, the state the trailer is registered in, how often you use the trailer, and how often it’s on the road.

Therefore, those who only use their travel trailers for vacations a couple of weeks a year won’t pay as much as those who genuinely use their trailers as homes away from home. Of course, owner’s driving record, as well as the value of the contents inside the trailer, all affect the average price for RV insurance .

Popup Camper Insurance Cost

If you paid for your popup camper on the spot or bought it used, you probably don’t have insurance. What’s more, you’re also wondering if you even need insurance on a popup camper. The answer is yes.

However, camper insurance cost varies based on several factors:

• the overall value of the camper
• the dimensions — the height and the width
• how often you use the camper
• how you store the camper when you’re not using it

If you’re lucky, you might be able to add the popup camper to your current auto or home insurance policy. However, in some cases, you might need to purchase the insurance individually. Nonetheless, you should make sure that your insurance covers:

• comprehensive damage (theft, weather damage, etc.)

Travel trailer insurance cost for popup campers can be as low as $125. What’s more, popup camper owners usually add their trailers to their existing auto insurance. That’s relatively inexpensive, and it includes the collision and liability coverage. Meanwhile, you can also get theft coverage under their homeowner insurance.

Do You Have to Have Insurance On a Travel Trailer

A simple answer to the question “do travel trailers need insurance?” is — yes. Here are a few reasons why.

Wrapping your head around the travel trailer coverage might be difficult. You already have auto insurance, and your car is towing the travel trailer, so that should be enough, right? No, it isn’t. Your auto insurance policy will extend to your travel trailer but only when it comes to liability. That means there’s no actual coverage for the travel trailer. If you cause damage to other people and their property — the insurance agency will cover the cost. However, when it comes to the damage done to your trailer, you’re on your own.

Therefore, you need better coverage. It’s best to go with an insurance policy that includes physical coverage as well.

Does a Tent Trailer Need Insurance

While tent trailer insurance isn’t obligatory or required by law, we strongly recommend it. As mentioned, you need to protect your property (in this case, your trailer) from any potential damages on the road.

Insurance will give you a piece of mind. Tent trailers are easy to damage — you might get hit while parked, or it might suffer damages from severe weather.

What States Require Travel Trailer Insurance

Minimum liability coverage is required in all the states in the USA. There’s a bare minimum you have to pay, no matter where you’re registered or where you intend to go.

Furthermore, some states require travel trailer owners to have uninsured/underinsured coverage. That means that you might have to pay extra and add a clause to your insurance policy. This will prove very useful if you cause any bodily harm or property damages to underinsured or uninsured drivers. In those cases, the injured or damaged party will get compensation above the limit of your insurance policy.

Does My Auto Insurance Cover My Travel Trailer

In short, the answer is — yes. However, your auto insurance policy covers your travel trailer only while it’s attached to your vehicle. As soon as you unhook the trailer from your car, the insurance is no longer applicable.

That means that your travel trailer is only insured while you’re driving. If you stop and unhook your trailer to go fishing, and a bolt of lightning hits it — you have no insurance and will have to cover the damages on your own.

The way around this is to purchase an insurance policy that’s specific to your travel trailer.

How Does Travel Trailer Insurance Work

Travel trailer insurance means that you are covered at all times, even when you detach your trailer from your car. What’s more, travel trailer insurance covers a lot of potential worst case scenarios.

An insurance policy for your travel trailer will make sure you are compensated for some or all your losses. If your trailer gets damaged or destroyed by other drivers or natural disasters, or if it gets stolen, you can file a claim with your insurance agency and get compensated for the damage.

What Does Travel Trailer Insurance Cover

While you can choose the type of insurance policy you want, there are some requirements when it comes to travel trailer insurance. Your policy depends on the type and size of your trailer, as well as how often you use it and for what purposes.

Typically, travel trailer insurance covers:

• comprehensive damage

It might seem unusual to have liability coverage, given that your travel trailer has no motor, and you can’t actually drive it. However, travel trailers have been known to unhook from the towing vehicles and cause extensive damage on the road. Therefore, liability coverage is essential.

Collision coverage ensures compensation in case of any damages from accidents. Meanwhile, the comprehensive damage coverage ensures you for damages done by harsh weather conditions like natural disasters. Furthermore, it will also ensure you against theft and vandalism.

You can also get commercial trailer insurance . This is a requirement for all those who use travel trailers for business purposes. For example, auto haulers, concession trailers, dump body and transfer boxes, etc. all need commercial travel trailer insurance.

What Should be Included

Typically, travel trailer insurance should include all mentioned above. Standard travel trailer insurance should cover the following:

• Collision coverage
• Property damage that’s limited to your travel trailer
• Protection in case of personal injuries to you or others
• Comprehensive damages like theft and natural disasters
• Uninsured or underinsured motorist coverage
• Property protection

However, if you’re looking to protect your travel trailer further, you can choose one of the many options of specialized coverage. Specialized coverage will ensure any custom equipment you may have, as well as personal effects. Furthermore, it will also cover total loss replacement, roadside assistance, and vacation liability.

Does Travel Trailer Insurance Cover Water Damage

Given that standard insurance policies don’t include regular wear and tear that also means they don’t cover water damage. Water damage is usually caused by natural aging of your travel trailer will not be compensated by your insurance agency.

If the water damage is a side effect of comprehensive damages , though, your insurance policy will cover it. However, a leaky roof caused by a bit of rust isn’t something you can claim to your insurance agency.

Travel Trailer Insurance Requirements

When it comes to travel trailer insurance requirements, the difference is clear. If you tow your travel trailer, the insurance is optional, and you are covered on the road under your auto insurance policy. However, if your travel trailer can get from one place to another without the towing (if you can drive it), then the insurance is obligatory.

All vehicles have to have insurance when on the road. Therefore, travel trailers are no exceptions. Every state requires at least a minimum liability coverage for travel trailers on the road.

Where to Get Travel Trailer Insurance

There are plenty of agencies out there that offer travel trailer insurance and RV insurance. Before making any decisions, make sure to check several of them out. However, many travel trailer owners are unsure if the agency is giving them a good deal or not. That’s especially true for first-time owners. If you’re unsure whether you should get an insurance policy with an agency or not, then make sure you check out all your options. We suggest comparing different agencies and their quotes.

You don’t have to run around town to do this. You can use online apps and websites that compare insurance companies and their quotes and see if your agent was telling you the truth when they said their agency is the most affordable. Websites like RVLifestyleExperts.com and RV America Insurance compare agencies and the travel trailer insurance cost estimate for you.

Is Travel Trailer Insurance Worth It

Travel trailer insurance is definitely worth it. When you’re on the road or camping with your friends and family, you don’t think about potential disasters that might strike. Of course not, that’s no way to live. What’s more, drivers who are constantly scared something might happen on the road are a liability. Therefore, you should always focus on driving instead of dwelling on the impending doom as nervous drivers often do.

However, that doesn’t mean that you should act as though nothing will happen. In 2015 alone, there were 6.3 million car-related accidents in the USA. Therefore, while you aren’t obligated to ensure your travel trailer if you’re towing it, in light of these statistics, it would be a wise decision.

Not to mention, accidents and damages done in other ways put your property at great financial risk. Many travel trailer owners don’t have enough financial strength to compensate even minor damages, let alone a total loss. If you’ve paid between ten and twenty thousand for your travel trailer, paying $900 a year to ensure it isn’t that steep of a price.

Travel Trailer Insurance Companies

As mentioned before, there are many insurance companies you can turn to for travel trailer insurance. They will give you camping trailer insurance rates and the travel trailer insurance cost estimate. That way, you’ll be able to make an educated decision and purchase a policy that has the best money to value ratio.

Some of the companies we would recommend are:

• Good Sam Insurance Agency
• RV Insurance
• National General Insurance
• Progressive Insurance
• RV America Insurance
• Geico Insurance
• Blue Sky Insurance

These are the agencies voted as top insurance agencies in 2018. Many of them offer online quotes, so you’ll be able to check them out without pesky calls from their sales departments.

The Best Insurance for Camper Trailers

The best insurance for travel trailers will keep you safe from liability, collision, and comprehensive damages. However, many agencies are known to throw in a couple of bonuses in insurance policies.

Some of the agencies we’ve mentioned offer clauses in their policies for full- time campers , for example. On the other hand, if you are a first-time camper, you can find a great deal with discounts for new owners.

How Much is RV Insurance in California

Travel trailer insurance average cost varies from state to state. For example, it makes a great difference whether you live in North Carolina or in Michigan, at least when it comes to camping trailer insurance rates and the average cost of RV insurance.

North Carolina has the lowest RV insurance rates — $860 per year . That comes up to $71.66 per month. However, the state of Michigan, on the other hand, has much higher average prices — $4490 per year, which comes around $374.16 per month.

When it comes to the state of California, it falls somewhere in the middle. In California, you’ll have to set aside between $800 and $4000 a year for RV insurance. Of course, the more luxurious the vehicle you own, the steeper the price. But the average is still not as high as in Michigan.

RV insurance rates will depend on many factors in all states, not just in California. The type of the RV, make, model, and the year of manufacturing will play a significant role when it comes to the travel trailer insurance rate estimate. Furthermore, how often you use your RV and your driving record can lower or increase your rates.

RV Insurance Cost in Florida

When it comes to RV insurance in Florida, it’s a bit different than in some other states. Mainly because Florida has very low minimum liability standards. In fact, they are the lowest in the entire country. Therefore, you might need to pay for additional coverage. RV accidents and damages can be very costly. The low minimum in Florida will not be able to cover it.

For RVs, Florida has strict insurance requirements. For accidents that include one person and for accidents that involve property damage, minimum liability insurance requirement is $10,000. Meanwhile, the minimum is $20,000 for accidents that involve more people.

Tips to Lower Your Trailer Insurance

There are some ways to deduct the costs of your travel trailer insurance. You can save money and pay a lesser monthly fee if you employ some of these strategies.

Combining Policies

One of the ways to save money on your travel trailer insurance is to combine policies. You probably already have an auto insurance policy and a homeowner insurance policy. You can combine them. What’s more, many agencies offer a multi-policies discount. So if you get two or more policies with one agency, you might get a hefty discount.

For example, consider getting your travel trailer insurance and travel insurance or auto insurance at the same company , and ask for a discount .

Quote Online

This is a simple yet effective way to save money. When you ask for quotes online, you avoid the salespeople on the phone. While they can be helpful, more often than not, they will try to get you to agree to a higher premium or additional features.

What’s more, getting quotes online is less complicated than getting them over the phone or in person. It gives you more time to think about what the most effective option might be. Furthermore, everything is transparent, and you can even customize your quote. If it’s crucial to you to get coverage only for the things you need and nothing more — online quotes are the way to go.

Keep a Good Credit Score

Your credit score is essential for travel trailer insurance. Just like with your auto insurance, the agency will ask for your credit score. That way, they measure your ability to pay back a loan. However, that isn’t the only thing that interests them.

Credit scores also tell them what the odds of you filing a claim are. Therefore, don’t be surprised if your rates are higher than you expect . Even if you’ve never had any accidents, that might be due to your bad credit score.

Some agencies offer employer discounts on business travel trailers. This is another handy way to save some money on your insurance policy. However, keep in mind that some agencies only offer discounts if the employer is contributing and paying at least a portion of the premium. What’s more, there are agencies that offer discounts only if the employer pays the entire premium.

Increase The Deductibles

When you raise your deductible, you’ll lower the premiums. The relationship between deductibles and the premiums is something to keep an eye out for. When you pay in on any claims that need to be paid out, that will have a positive effect on your premiums.

We hope we’ve managed to answer your question — how much is travel trailer insurance? On average, travel trailer insurance varies not only by state but based on many other factors as well. If you’re thinking of purchasing a travel trailer, then this is something you definitely need to consider.

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RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

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

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

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.

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Conventional Travel Trailer Insurance

Here's what you need to know about your coverage.

More than seven million people visit our site every year looking for unbiased information about insurance and other related topics. And with great readership comes great responsibility, which means we’re dedicated to providing honest and accurate information.

If you own a travel trailer, also known as a conventional trailer or camper trailer, you may need travel trailer insurance to protect your investment. 

These are expensive trailers that can run anywhere from $8,000 to $30,000, depending on the model and whether you buy it new. Travel trailer insurance policies are fairly affordable and can give you extra peace of mind when you take off for your next trip.

Since the policies and costs vary for this type insurance, it is important to compare rates and work with a knowledgeable agent to find the coverage you need. 

An independent agent in our network can do the comparison shopping for you and provide multiple quotes for you to compare. Find a member agent today and get affordable travel trailer insurance quotes that match your needs and budget.

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

US Statistics for Travel Trailers

As you start to understand more about your insurance needs for your travel trailer, it might be helpful to understand something about the industry. Many Americans purchase travel trailers each year, and there are more on the roads today than you may be aware.

• In 2010, Dun and Bradstreet reported there were 480 companies that manufactured travel trailers and campers in the US
• There were 13,084 people employed in this industry
• U.S. sales in 2010 amounted to $1.7 billion for travel trailers and campers

The popularity and large investment Americans make in travel trailers might cause you to think about protecting your investment with a policy. 

Travel trailer insurance will help you recover if there is ever an accident, theft, or other damage to your trailer that could really hurt you financially. Your local, independent insurance agent can help you find an insurance policy that will protect you when the unexpected happens.

Overview Information on Travel Trailers

A travel trailer is a temporary living space that is attached to a trailer and towed behind the primary vehicle, typically an SUV or truck. Travel trailers come in a variety of different models that can be equipped with very basic accommodations or elaborate living quarters.

Some travel trailers are very small and are used only for storage, while others may contain a small sleeping area or include more amenities such as a kitchen area and bathroom facilities.  

They can even have laundry appliances. The sleeping capacity of these trailers can also vary considerably. Some travel trailers can be folded or expanded into another level when they are parked.

Does My Auto Insurance Cover My Travel Trailer?

Whether or not you can add your travel trailer to your auto insurance policy varies from one insurance carrier to another. Many auto policies provide some limited coverage or may completely exclude a travel trailer. Some insurance companies require that you add provisions to your existing auto coverage to include a travel trailer.

By purchasing separate conventional trailer insurance, you can rest assured that you will be protected from liability lawsuits and other mishaps. Additionally, this form of insurance will also cover your contents and provide coverage in case you have a mechanical breakdown .

Even if your insurance company will extend auto coverage to a conventional trailer, it is still a good idea to review the benefits of a separate policy. An independent agent is a great place to start to compare policy rates and options of multiple companies that carry travel trailer insurance.

What Travel Trailer Insurance Do I Need?

If you have taken out a loan to buy your camper trailer, make sure that your trailer is properly insured. If an accident leaves you with a total loss, insurance will save you from owing money on a trailer you can no longer use.

You may also want to make sure that you have the following coverage through your auto policy or your separate travel trailer insurance policy:

• Total loss replacement
• Liability coverage in the event that someone is injured or property is damaged while you're using your trailer
• Collision coverage to pay for damage to your trailer after an accident
• Comprehensive coverage to pay for loss or damage resulting from theft, fire, or severe weather
• Uninsured and underinsured motorists coverage, if a driver with little or no coverage is at fault in an accident with you
• Coverage for your personal possessions
• Coverage for roadside assistance , breakdowns, and towing
• Emergency expense coverage
• Full timers insurance if you plan to live in your trailer extensively throughout the year
• Parked trailer coverage

Travel trailer insurance or camper trailer insurance packages vary from company to company, so be sure you fully understand what is included in your policy and request additional coverage, if needed, to cover your specific risks and concerns.

What if I Use My Travel Trailer for Business?

If the travel trailer insurance policy excludes commercial usage, you will need a separate insurance policy. You can get a commercial travel trailer insurance policy through a member agent in our network who specializes in business coverage .

How Much Does Travel Trailer Insurance Cost?

There are a number of different variables an insurance company will use to determine how much your insurance will cost . Some of these variables include:

• The age of the trailer
• The make and model of the trailer
• The trailer’s dimensions
• The condition of the trailer
• The drivers who are being included in the policy
• The limits you set on the policy
• The deductible you choose
• The type of policy you purchase and/or any additional insurance options you buy separately

The costs can vary depending on your use - your premiums will be lower if you use your trailer part-time versus full-time (you’ll need to purchase a “full-timers” policy in this case). Premium rates for a travel trailer insurance policy can be as low as around $90 per year to as high as several hundred dollars a year or more.

Are There Ways to Lower My Travel Trailer Insurance Rates?

You can reduce your insurance rates with discounts for such things as:

• Bundling your travel trailer policy with other policies like home or auto
• Being a non-smoker
• Installing additional safety or anti-theft devices

If you work with an independent agent, you can often find additional unadvertised discounts, since these agents can look for various savings offered through their carriers. For example, you may be able to get travel trailer policy discounts based on memberships in certain associations.

Does Travel Trailer Insurance Cover Water Damage?

Water damage can be covered under the comprehensive portion of a travel trailer policy if the damage was “sudden and/or unexpected.” Water damage caused by a leak due to rust or a failed seal is most likely excluded.

Is My Parked Travel Trailer Insured?

Your parked trailer may be covered provided you have purchased a “stationary travel trailer program” along with your standard travel trailer policy. This form of coverage can be especially vital if you leave your trailer parked in a campground or RV site while hiking or bike riding.

How to Get Travel Trailer Insurance Quotes

To get affordable travel trailer insurance quotes, contact an independent agent in our network. One of these local agents can comparison shop for you from multiple insurance companies, provide a number of quotes for you to review, and answer all of your questions. 

Find an independent agent today to get the right coverage and protect your investment.

7 Best RV Insurance Companies of 2024

S ince 2016, Money’s editorial team has been evaluating companies that offer RV insurance. Our research and analysis takes into account customer satisfaction, financial stability, coverage options, availability and more. We strive to provide accurate and informative recommendations customized to our readers’ needs.

Money’s Main Takeaways

• Insuring your RV is essential, whether you plan to live in your RV full-time or use it for occasional trips.
• The type, age and condition of your RV, where you live, and your own personal driving record are all factors that will influence the price of your policy.
• We settled on six companies including Good Sam as the best RV insurance broker, National General as the best for full replacement cost coverage and Auto-Owners Insurance as the best for customer service.

Why Trust Us?

Our editors and writers evaluate RV insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

• Reviewed 15+ companies
• More than 1,000 hours of research
• We prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

• Good Sam – Best RV Insurance Agency
• RVInsurance.com – Runner-Up
• Nationwide – Best for Multiple Discounts
• National General – Best for Full Replacement Cost Coverage
• Progressive – Best for Disappearing Deductibles
• Roamly – Best for Renting Out Your RV
• Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

• Offers full-timer coverage
• Manage your policy online without having to contact an agent
• Membership gets you discounts on campsites, gear stores, fuel and more
• Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help choosing coverage. It connects you with some of the best RV insurance companies and helps you get a comprehensive policy that fits your needs.

Good Sam works with well-known insurance companies like Progressive, Foremost, Safeco and National General. Some standard insurance options you can get through Good Sam include comprehensive, collision, liability, property damage and personal injury protection.

Good Sam is also an excellent option for people who drive their RV across the border to Mexico. The company partners with MexicoInsuranceOnline.com, which can pair you with one of three Mexico-based insurers. Agents can recommend add-ons for your cross-border travels based on your specific needs, and you can purchase policies for a single-day trip or longer.

The company also offers a storage discount, which lets you pause collision and liability coverage when your motorhome or trailer is stored for more than 30 consecutive days. This can help you save on monthly insurance premiums if you only use your RV for occasional road trips.

Lastly, the agency can help you customize a full-time RV insurance policy if you use it as a permanent residence.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

• Specialists can help you find a policy
• Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get an insurance quote online, but an insurance specialist can help you compare policies if you call.

See rates on RVInsurance.com’s Secure Website >>

• Free yearly insurance review to evaluate your coverage options and possible discounts
• Optional towing coverage includes lodging, transportation and meals
• Multiple policies available, making it easy to bundle and save
• Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts that can help you save on premiums. Nationwide’s discount list, however, is particularly extensive. You can save money if you bundle your RV policy with your existing home insurance, take safety courses, belong to an RV organization (such as the National RV Association), pay your annual policy upfront or purchase the company’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

• Coverage for specialized equipment such as solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV in the event of total loss
• Low mileage discount
• Eligibility, benefits, coverage and discounts vary per state
• Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage, also known as total loss replacement, your RV gets replaced with a new or similar one if it’s totaled or stolen. You may also get reimbursed for the original purchase price of the vehicle.

This type of coverage is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. For example, a 2024 model would probably be eligible until 2026. So if you buy a used RV or don’t insure your new one as soon as possible, you risk your vehicle being considered ineligible.

With National General, on the other hand, RVs are eligible during their first five model years. The company can also insure your RV whether you’re the first owner or not — some companies limit this type of coverage to original owners.

The company lets you pause your coverage when your RV is in storage, an option that’s not available with many other providers. You can save money by suspending collision and personal injury riders, for example. However, your RV would still be covered against theft, fires, harsh weather and other non-collision accidents.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

• Accident forgiveness for claims under $500
• Horse trailer coverage up to $50k
• Pet injury coverage available
• Add-on coverage available for roof malfunction
• Standard plan doesn't cover personal property replacement or emergency expenses
• Insurance rates can vary if you buy online or through an agent
• Discounts are not available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or if you pay your policy in advance, among other discounts. However, what makes Progressive’s discount list stand out are disappearing deductibles and accident forgiveness.

Not many companies provide these discounts, and if they do, they only offer one or the other. With disappearing deductibles, the longer you go without filing a claim, the lower your insurance deductibles get.

Progressive deducts 25% from your total deductible amount for every claim-free policy period. After four consecutive claim-free periods, your deductible will be $0. Other insurance companies that offer disappearing deductibles cap the discount to a maximum of $500 — if your deductible exceeds $500, you’d still have to pay the remaining amount.

Disappearing deductibles, also known as vanishing deductibles, have an additional cost.

However, the feature is included if your vehicle is valued at $25,000 or more and you purchase the comprehensive and collision coverage package. Both riders are recommended since they ensure the vehicle is covered for car accidents and non-collision events, like a fire.

Accident forgiveness — which keeps your premium rates from increasing if claims are for $500 or less — is included at no additional cost.

See rates on Progressive’s Secure Website >>

• Specializes in RV insurance
• Coverage even when renting out your RV
• Policies for full-time RVers are available
• Covers Canada rentals
• Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance because they’re exposed to more risk than personal vehicles. Renting out your motorhome or camper without insuring it can result in denied claims, especially if the renter doesn’t have coverage either.

With Roamly, your RV is always covered when listed in rental platforms like Outdoorsy (which owns Roamly). When someone books your RV through Outdoorsy, they can purchase a renters protection package. These policies can include trip protection, interior damage and travel medical insurance.

Roamly covers rented RVs for actual cash value during a rental period. Also, policies include $1 million in liability insurance protection during each trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with certain safety features
• Towing and roadside assistance in all 50 states and Canada
• Mobile app for Apple and Android
• No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints on record with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies which can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

• Covers motorhomes, travel trailers and campers
• Membership plan includes roadside assistance, hotel discounts and more
• Extra coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions (southwest, northeast, etc.)
• RV policy not available nationwide
• Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because their coverage is not available in all 50 states.

See rates on AAA’s Secure Website >>

• Discount if you transfer from another insurance company
• Discounts for drivers 55 years or older
• Gas price locator to help you find the cheapest gas
• Limited information on company website
• Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

• Windshield deductible is only $50 for total replacements
• Personal effects replacement limits up to $100,000
• Free accident forgiveness for those who have been accident-free for 5+ years
• Limited information available on the company's website
• Enhanced RV coverage is not available in HI, MA, MI and NC
• Availability of total loss replacement coverage varies by state and vehicle value

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

• Loan or lease protection coverage available
• Deductibles diminish $100 per year up to $500
• Insures motorhomes valued at up to $1 million
• Coverage available for custom equipment
• Only covers vehicles used 250 days or less per year
• Limited information available on website
• No online quotes available

Safeco offers coverage for class A, B, and C motorhomes valued at up to $1 million, but it only insures these vehicles if you use them recreationally. Safeco didn’t make our list because its website doesn’t offer a lot of information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

• Coverage for emergency expenses if camper is damaged or destroyed
• Pays for transportation of damaged RV to storage, repair shop or home
• Full-timer coverage for travel trailers, motor homes, luxury motorcoaches and more
• Special policies for USAA members
• Not available in DC or Hawaii
• Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

• Part-time users can opt for storage-only insurance during the off-season
• Policy extends to travel anywhere in Canada
• Insures equipment permanently attached to your RV
• No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information on their website regarding specific coverages and discounts. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Discounts for safe driving and original ownership
• Multi-vehicle discount
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members-only discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

• Multi-policy discount
• Mobile app for Apple and Android devices
• Only available through agents
• Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

• Options for RV full-timers
• 25% deductible discount for each consecutive claim-free year
• Windshield replacement coverage
• Coverage for commercial RVs
• Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

• Lifetime guarantee for repairs done in authorized repair shops
• 24/7 claims submission
• RV replacement if it's totaled in the first 15 months
• Only available to AARP members
• Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, an RV insurance policy provides financial protection in the event of accidents, injuries and other unfortunate scenarios. This means it can reimburse you for repairs, medical bills and liability expenses in the event you injure someone or damage their property.

Most RV insurance providers offer comprehensive policies covering everything from collisions, theft and loss of personal belongings to medical expenses and more. However, not everyone needs an all-inclusive policy, especially those who use their RVs occasionally.

Read on to find out how much RV insurance costs, learn about the different coverage options available and get tips on choosing the right coverage for your needs while saving on premiums.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need, what does rv insurance not cover.

• How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV that you tow behind your own vehicle) costs an average of $573 per year, while coverage for a motorhome costs an average of $958 per year.

The cost of an RV insurance policy is influenced by the following factors:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially motorhomes with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure than their modern counterparts due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive policy that includes collision and personal property coverage.
• Where you live: As with most other types of insurance, your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
• Driving experience and driving record: A first-time RV owner poses a higher risk than someone who’s been living the van life for years. Insurers will also look at your general driving record to determine an appropriate rate.
• Claims history: Just as with auto insurance, a lengthy claims history is a red flag to insurers. A driver who has never filed an insurance claim will get a much better rate than one who has cashed in on their policy in the past.
• Additional coverage: Purchasing add-ons that augment your standard coverage can substantially increase your premium. Additional coverage options may include roadside assistance, total loss replacement, vacation liability and full-timers coverage.

Recreational vehicles, more commonly known as RVs, can be classified into one of four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, which means they’re drivable units equipped with living quarters and appliances. Towable RVs, also called campers or trailers, can have home amenities too. However, some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious. They are similar to commercial buses, measuring anywhere between 24 to 45 feet in length and fitting as many as 12 passengers. However, their size can make them difficult to drive and limits their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest and least expensive type, with a length of 17 to 19 feet. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes are the middle ground between Class A and B RVs. They measure between 21 to 41 feet in length and are easily recognized by their over-cab sleeping or storage area.

Although smaller than Class A RVs, Class Cs are suitable for full-time occupancy, delivering better gas mileage and easier maneuverability. These vehicles can fit up to eight passengers and include a fully equipped kitchen and spacious dining, bathroom and living room areas.

Towable RVs

Towable RVs are pulled by hitches on SUVs, pickup trucks or any vehicle that can tow the RVs weight. Towable RVs that feature living quarters include fifth wheels, toy haulers, travel trailers and pop-up campers. These range from under 10 feet for pop-ups to 30 feet for fifth-wheel trailers.

Truck campers are also considered towable RVs, but you don’t pull them with a hitch. Instead, they sit on the bed of a pickup truck. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be both a vehicle and a primary residence, there are special considerations when insuring them. Some policies only offer basic liability protection while others offer broader coverage for things like personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the vehicle used to tow it may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability and not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

• Property-damage liability coverage: Pays for damages that you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver that doesn’t have insurance or has insufficient coverage to pay your claim.
• Personal Injury Protection (PIP): Covers medical expenses for both you and your passenger in the event of an accident, no matter who was at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re found at fault for injuries or losses suffered by a non-family member while in your campsite area or inside your RV.
• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is ever stolen or totaled in an accident. In other cases, the insurer may reimburse you for the original purchase price. Note that lenders may require this coverage if you finance your RV.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees charged by RV associations for damage to common areas in a campsite, for example.

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn’t cover water damage that’s caused by regular wear and tear, freezing temperatures or manufacturer defects.

Comprehensive RV insurance covers most natural disasters, including flash floods, storm surges and fire. Earthquake coverage varies by insurer — it may be covered under a comprehensive RV policy or you may need to purchase earthquake coverage separately.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Take time to shop around for insurance quotes

The cost of RV insurance will depend on your driving history, where you live, the type of vehicle you own and whether you intend to live in the RV full-time or use it for vacations. Adding optional riders like pet and accessories coverage will hike up your premium.

Requesting multiple RV insurance quotes can work out to your advantage. Those who compare estimates and coverage options before choosing often find the best rates.

If you don’t have the time to shop around, you can consult an independent insurance agent. They can help you choose the right coverage and guide you to companies with attractive rates and policy features that meet your needs.

Consider bundling multiple policies

Most insurance providers offer a multi-policy discount when you combine your RV insurance with other qualified policies.

You can save on premiums by combining your RV policy with your current auto, home or boat insurance . Some insurers also let you bundle your policy with renters or life insurance policies . Bundling multiple policies under one provider can also help you avoid the hassle of dealing with different companies come time to file a claim.

If you don’t want to pay two premiums, you can consider adding your RV to your existing auto insurance policy . Just know that the insurance you have on your car usually only extends to towable campers or trailers, not motorhomes. Also, keep in mind that car insurance may cover you against liability and damages to the RV, but not belongings or appliances inside the vehicle.

Homeowners insurance may also offer some coverage for RVs, but only when the vehicle is parked on the insured property’s premises.

Another option is getting umbrella insurance to cover your RV. This type of policy covers liability claims that exceed the limits of your primary auto, home or RV policy. However, this coverage only kicks in if your RV is covered by an underlying policy that meets the liability requirements of the umbrella policy.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV (a tire pressure monitoring system, for example)
• Having a favorable loss history (the record of insurance losses associated with the vehicle)
• Being a safe driver (staying accident-free for at least three years)
• Taking safety courses
• Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, you should consider getting RV rental insurance. This type of policy is similar to car rental insurance since both usually provide liability, collision damage waiver, personal accident or personal effects coverage.

Policies can be purchased through the rental company or your own insurance provider — if it offers such coverage. However, keep in mind that your current car or RV insurance policy may already extend some coverage to the rented RV. Coverage may not be available in all states or for trips longer than 30 days, so you should call your insurer to verify before heading out.

Some insurance companies also offer RV coverage for trips to Mexico. While this type of policy can be useful for someone planning a vacation, it is more commonly recommended for RV owners who frequently cross the border.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance for the trip. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on the details of your policy.

However, note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and you lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident.

With the exception of New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have some form of liability coverage.

Insurance for towable RVs is another matter. When you’re towing your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not about additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

There are currently only two states that don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia as long as you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer that's hooked up to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance so that the trailer itself is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

• Coverage options and discounts. We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction. We favored companies that had above-average scores in J.D. Power’s U.S. Auto Insurance Study. We also considered customer feedback from review sites such as the Better Business Bureau (BBB).
• Financial strength. We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
• Complaint index. We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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What Is Gap Insurance and How Does it Work?

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A new car is a big purchase, and many drivers end up making auto loan or lease payments for years. But a new car’s value can drop significantly, especially within the first year. If your new car is totaled in an accident, a full coverage car insurance policy will only cover up to the vehicle’s current market value. So how do you pay off your auto loan if you still owe more than what your car insurance will cover?

Unfortunately, you’re still on the hook for the difference between a car’s value and the amount you owe on it — unless you have gap insurance.

What is gap insurance?

Gap insurance, or guaranteed asset protection, is an optional coverage that pays the difference between what your vehicle is worth and how much you owe on your car at the time it’s stolen or totaled. This coverage supplements a comprehensive or collision car insurance payout, which can only be as high as your car’s value.

You’re responsible for paying off your car loan if your car is totaled or stolen, even if your insurance won’t cover the full amount you still owe. This is where gap insurance can come in handy.

But to be clear: If you don’t have a car loan or a lease, you don’t need gap insurance.

What does gap insurance cover?

Gap insurance covers what’s owed on a car after a total loss, whether that’s the result of an accident or vehicle theft. Gap insurance pays out after comprehensive and collision coverage, two coverage types that are typically required when you buy or lease a new vehicle. (They pay for damage to your car after things like accidents, fire or vehicle theft.)

However, comprehensive and collision insurance pay only what a car is worth at the time of a theft or accident. So when you owe more on your car loan or lease than that, gap insurance covers that amount.

In most cases, gap insurance doesn't cover your comprehensive or collision deductible. Your deductible is the amount your insurance subtracts from a claim payout.

» MORE: Why rising car prices make gap insurance worth a look

How does gap insurance work?

Let’s say someone stole your new car, and at the time it was worth $25,000. Unfortunately, you still owe $30,000 on the car. You have comprehensive insurance, which will pay for the value of your car at the time of theft. You’re responsible for your $500 insurance deductible , and then the insurance company pays $24,500 to your lender — but there’s still $5,500 due on your loan.

Gap insurance is designed to pay that final $5,500 so you don’t owe money on a totaled car. But without gap insurance, you’ll have to cover the balance on your loan as well as your insurance deductible.

Here is a visual of that example:

» MORE: What does car insurance cover?

Is gap insurance worth it?

You don’t need gap insurance unless you lease a vehicle or have a loan. You also don’t need it if your loan is paid down below the value of your car.

But if you do have a lease or loan, you may want to think about whether you can afford to pay the difference between the amount you still owe and the value of your car. If you couldn’t make that payment, or don’t want to deal with that financial stress in an emergency, then you’d probably benefit from having gap coverage.

Drop gap coverage when your car loan is less than the current value of your car. Online pricing guides like Edmunds or Kelley Blue Book can give you an idea of how much your car is worth. Insurers might not drop it automatically, so you may need to remove it.

How to get gap insurance

You can generally only add gap insurance to your policy if you still owe money on the vehicle or lease. Although insurers’ guidelines vary, a company may require one or both of the following:

Your car is no more than two to three years old.

You are the original owner of the vehicle.

There are two main ways to buy gap insurance:

From your auto insurer, as part of your regular insurance policy.

Through the dealership or lender, rolled into your loan payments. With this arrangement, you’re paying interest on the cost of your gap insurance over the life of the loan, making the coverage far more expensive.

If you buy through your dealership or lender:

Check your auto loan contract to see if you’re required to have gap insurance — not all lenders require it. However, your lender will generally require you to buy comprehensive and collision coverage.

A dealer may automatically include gap insurance if you lease your car, so make sure to check your lease agreement.

If you already bought gap insurance from your dealer and want to buy it from your insurer, you may be able to remove it from your car loan contract. Make sure you have coverage during the transition if you switch providers.

NerdWallet recommends buying gap coverage through your auto insurer rather than from a dealership to avoid paying interest on it. Not all car insurance companies provide gap coverage (or an equivalent) or offer it in all states, so if you decide you want this type of insurance, you may need to switch companies .

Which insurance companies sell gap coverage?

Some of the largest insurance companies that offer stand-alone gap insurance (or an equivalent) as add-ons to car insurance policies are:

American Family.

Auto-Owners.

Liberty Mutual.

Nationwide.

» MORE: Get the cheapest car insurance

See what you could save on car insurance

How much does gap insurance cost.

Auto insurers typically charge a few dollars a month for gap insurance or around $20 a year, according to the Insurance Information Institute. Your cost depends on individual factors, like your car’s value. You’ll also need to buy comprehensive and collision coverage. To find the best company for you, compare car insurance rates with at least three insurers.

Lenders charge a flat fee of around $500 to $700 for gap insurance, according to United Policyholders, a nonprofit consumer group. But if you add the coverage to your loan, you’ll also pay interest on it. That means you could pay more than that $500 to $700 for three years of gap coverage from a dealer, compared with around $60 from your auto insurer for that same timeframe.

Prices and interest rates will vary, so always check with your dealer and car insurance company to accurately compare costs.

» MORE: Car insurance quotes: What you need to know

Alternatives to gap insurance

Gap insurance isn’t the only way to protect yourself if your car is stolen or totaled. Depending on your needs, you may want to add one of these coverage options instead of gap insurance:

New-car replacement insurance : If you’re more worried about buying a new vehicle than paying off your old one, new-car replacement coverage might be a better choice for you. While it is more expensive than gap insurance, this coverage helps pay for a new car of the same make and model, minus your deductible, to replace your vehicle with a new one.

Better-car replacement coverage: If your vehicle is declared a total loss, this type of coverage will give you money for a model that is newer and has less mileage.

On a similar note...

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Travelers is the latest California insurer to raise rates. How to find coverage in your area

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Travelers Insurance, one of California’s largest home and auto insurers, is set to increase its rates by an average of 15%, the latest in a string of rate increases and policy limitations that major insurers say is caused by wildfire risks, reinsurance costs and inflation.

Given the go-ahead by the California Department of Insurance this week, Travelers will update its rates for more than 320,000 homeowners starting June 24. It’s not immediately clear what areas in the state will see higher rates.

Michael Soller, the state Department of Insurance’s deputy commissioner for communications, said the shortage of information is “frustrating across the board.”

The department, he said, is doing its best to make sure consumers don’t pay more than they’re required. Travelers’ premium increases, he said, are completely legal under Proposition 103, the 1988 ballot measure that regulated property and casualty insurance pricing.

The average cost of homeowners insurance in the state is $1,250 per year, or about $104 per month. That’s less than the national average of $1,915, according to Nerdwallet . The average cost for a homeowner in the city of Los Angeles is $1,485 a year, or about $124 a month.

Travelers is the latest major insurer to increase rates, limit the number of new policies issued or pull out of the California market altogether — all actions that are straining the market.

In April, Tokio Marine America Insurance Co. and Trans Pacific Insurance Co. notified the insurance department that they will not renew 12,556 homeowners policies with a premium value of $11.3 million, starting July 1.

State Farm, Farmers and Allstate have limited their offerings in California by cutting back on the new policies issued or tightening underwriting standards. State Farm, for example, announced in March that it would not renew 72,000 policies. Allstate, however, has stated that once the industry-favored insurance reforms that Insurance Commissioner Ricardo Lara proposed go into effect, it will begin writing new homeowner insurance policies in the state, Soller said.

Last year, Geico removed all its in-person offices in the state and is offering policies only through the company’s website or app.

To make insurance rates “more predictable and insurance more available” in the state, Soller said the department is continuing its progress in updating its regulations.

That update could let insurers use algorithms to predict the future risk that properties face from wildfires. Lara is proposing to let insurers use catastrophe modeling when setting the price of policies. Currently, premiums are based on an insurance company’s past losses. This is one of several proposals Lara advanced in a Sustainable Insurance Strategy announced last year.

Even though insurers are making significant changes to their coverage offerings, many are still issuing new policies in California. Here is a partial list:

Farmers Insurance Group offers limited homeowners insurance policies in California, with a monthly cap at 7,000 new business policies.

Mercury is not only offering new policies and renewing existing ones, it’s also taking on customers from Tokio Marina America and its subsidiary, Trans Pacific Insurance Co. — both agencies that pulled out of the California market.

Chubb and its subsidaries, which include Federal Insurance Co., Vigilant Insurance Co. and Pacific Indemnity Co., offer and renew home policies, but with two limitations. It stopped writing high-value homes with higher wildfire risk and isn’t renewing some high-value homes.

USAA is offering new policies if the homes meet its underwriting criteria, which confine the insurer to low-risk properties.

Other insurers that continue to renew or issue new policies in the state are Auto Club of Southern California, Liberty Mutual and American Family.

When a prospective or current homeowner is having trouble finding a policy in their area, the last resort is the California FAIR Plan Assn. A state-established program funded by insurers doing business in California, its mission is to provide homeowners with an affordable policy option when the traditional market fails them.

To find which insurers are offering policies in your area, the California Department of Insurance has a “Home Insurance Finder” tool that will help you locate a provider within 5 to 75 miles of your property.

More to Read

Amid homeowner insurance crisis, consumer advocates and industry clash at hearing

April 24, 2024

California exodus of home insurance companies continues

April 19, 2024

Upscale Westside L.A. neighborhoods hit very hard by State Farm home insurance cancellations

April 10, 2024

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Karen Garcia is a reporter on the Fast Break Desk, the team that has a pulse on breaking news at the Los Angeles Times. She was previously a reporter on the Utility Journalism Team, which focused on service journalism. Her previous stints include reporting for the San Luis Obispo New Times and KCBX Central Coast Public Radio.

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Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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Elektrostal , Moscow Oblast, Russia