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»  FIND THE RIGHT COVER FOR YOUR   TRAVEL TRAILER :

Travel Trailer Designer Series UV Hydro®

» part numbers & sizing, » features.

• PROTECTION AGAINST ALL THE ELEMENTS - Built for all climates.  
• ZIPPER ENTRY ON BOTH SIDES OF RV - Allows slide-outs to be fully extended during storage for easy access
• SUPERIOR WIND RESISTANCE - Patented wind channels on bottom corners help promote a snug fit
• SUPER USER FRIENDLY - Red accents help identify interaction points for easy installation
• LIGHT COLORWAY -  Reduces temperature build-up
• WATER RESISTANT COATING - Promotes cleanliness and reduces moisture build-up on the trailer
• Protection against harmful UV rays that can cause unwanted cracking and fading on your RV.  
• Features ADCO's 3 year manufacturer warranty

  »  Includes:

• Rain gutter spout protectors to prevent cover puncture where applicable. 
• Extra adhesive reinforcement material.  
• Weighted buckle toss-under for easy installation.  

  »  How to Buy the Best fitting Cover for your Travel Trailer?

• Measure from the longest two points including bumpers and ladder to determine proper size needed.
• View our measuring and installation videos found on the bottom of this webpage.
• Utilize our measurments database found on the top of all RV cover pages on this website

» Purchase

Can be purchased at an RV Dealer near you.

» How to Measure your RV for an ADCO RV Cover

» Cover Features Video

» Installation Video

» INSTRUCTIONS FOR INSTALLATION - Click the link below to download

Travel Trailer Designer Series Olefin HD RV Covers

• Designed for all climates and moderate wind
• Features durable high performance all climate Olefin HDTM top panel and triple layer polypropylene sides with a designer contemporary aesthetic
• Significantly reduces premature aging of RV and helps maintain resale value
• Keeps roof clean to reduce black-streaks from forming on sides of RV
• Reduces need for washing, waxing and roof treatments
• Breathable to prevent mold and mildew
• Protection against harmful UV rays that can cause unwanted cracking and fading on your RV
• Zipper entry doors easily roll up to allow access during covered storage
• Extra reinforcements throughout cover significantly reduce snags and tears
• Roof fabric partially extends down the front, back and sides of the cover for extra protection
• 3 year manufacturer warranty
• Rain gutter spout covers to prevent covers
• Storage bag
• Ladder Cap to prevent contact with cover.
• Extra adhesive reinforcement material.
• Weighted buckle toss-under for easy installation.

ADCO Covers can be purchased online or in a store near you. Click below to find an authorized dealer.

TRAVEL TRAILER DESIGNER SERIES SFS AQUASHED®

• Protect your Travel Trailer with ADCO's Designer Series SFS AquaShed RV Cover.  
• Designed for moderate climates with high moisture. 
• Features triple layer SFS AquaShed top panel and triple layer designer polypropylene sides with a contemporary aesthetic unique to ADCO.  
• Significantly reduces premature aging of RV and helps maintain resale value.  
• Keeps Roof clean to reduce black-streaks from forming on sides of RV.  
• Reduces need for washing, waxing and roof treatments.
• Multiple Passenger-side zipper entry doors for easy covered access.  
• Reinforcements throughout cover significantly reduce snags & tears.  
• Reinforced Buckles, Flaps and Straps resist rip-out.  
• Built-in Vents allow air to escape the cover in moderate winds.  
• Roof fabric partially extends down the front, back and sides of the cover for extra protection.  
• Front, rear and bottom buckle cinching system removes slack and prevents billowing.  
• Color is Gray on Top with Gray Sides.  
• Features ADCO's 2 year manufacturer warranty
• Rain gutter spout protectors to prevent cover puncture (We highly recommend using these on travel trailers in particular)
• Storage bag.  
• Ladder Cap to prevent contact with cover.  

  »  Why SFS AquaShed ® ?

• Multi-layer composition includes microporous film that repels water but allows air to penetrate.
• Soft to the touch yet durable
• Moderate UV stability (For High UV climates, we recommend our Designer Series Tyvek products)
• This fabric is a great value for it's price point.
• Measure from the longest two points including bumpers and ladder but excluding hitch to determine proper size needed.

Travel Trailer Storage Lot RV Cover

• Protect your travel trailer with ADCO's Storage Lot RV Cover.  
• Designed for optimal performance on the storage lot. 
• CAM Buckles secure the straps in place to prevent slippage for long term unattended use.
• Features four layer polypropylene sides, which are breathable and water resistant.
• Significantly reduces premature aging of RV and helps maintain resale value.
• Breathable to prevent mold and mildew. 
• Patent pending Slip-Seam Strapping System allows cover to conform to the shape of the RV and minimizes wind impact.
• Extra reinforcements located throughout all 8 corners, top and bottom significantly reduce snags and tears.
• Built-in Vents allow air to escape the cover.  
• Front, rear and bottom buckle cinching system removes slack and prevents billowing.
• Color is tan on top and sides.  
• Rain gutter spout protectors to prevent cover puncture where applicable.
• Weighted buckle toss-under for easy installation. 

  »  Whats new for Storage Lot Cover program?

• New Durable 4-layer polypropylene is UV treated and designed for long term usage in the storage lot environment
• New CAM Buckles secure straps in place to prevent slippage during un-attended use
• New patent-pending Slip-Seam Strapping System cinches cover tight on all 4 bottom corners and help prevent wind penetration
• Introduction of tan colorway to balance out ADCO’s gray Designer Series SFS AquaShed and Tyvek programs

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Best Travel Trailer Covers

A good trailer and RV cover for most small-to-medium trailers.

A large number of available sizes makes it easy to find the right fit for unique or semi-custom RV trailers. Individual access panels for doors and windows means you can use the cover while staying in the RV. Features elasticized covers.

Some cover sizes are actually longer than their advertised length.

A good cover for larger RV trailers, especially when you need something that will accommodate sliding panels.

Uses a 3-layer fabric design that keeps the elements from damaging the trailer underneath. Adjustable tension panels on the front and rear keep the covers secure during high winds. Multiple zippered panels.

Certain corners can tear on sharp trailer edges in high winds.

A good option for smaller R-Pod RV trailers commonly found and used as personal travel trailers.

Uses a 3-ply fabric that provides better-than-average weather, dust, and UV protection. Elasticized hem corners for custom fit. Easy to roll up and store when not in use. Comes with a convenient storage bag.

Doesn't cover the hitch to provide rust protection.

A great cover that has multiple features to protect your trailer from the elements.

The cover is made from material that is tear- and UV-resistant. The waterproof coating will ensure that nothing reaches the trailer itself. Installation is very easy when used with 2 people. Has multiple sizes.

Instructions can be hard to follow depending on the type of trailer you own.

A solid cover that is built to keep out the harsher elements nature can bring.

The cover is made from thick polyprotop material which provides tear-resistance and durability. Six vents ensure that moisture does not stay trapped within the cover. Easy to install on the trailer.

Some buyers reported the buckle/strap connection can be weak.

We recommend these products based on an intensive research process that's designed to cut through the noise and find the top products in this space. Guided by experts, we spend hours looking into the factors that matter, to bring you these selections.

Table of Contents

Buying guide for best travel trailer covers.

Updated December 2021

Are you ready to hit the road? Towing a travel trailer is an exciting way to vacation. It’s more comfortable than sleeping in a tent and more affordable compared to staying in motels. These tiny wonders of living quarters and storage are easy to pack up and take to new locations with the family. A travel trailer is an investment — one that should last for many years. That’s why it’s important to protect that investment with a travel trailer cover.

These covers give the trailer a reprieve from rain, snow, and wind, as well as shade from harsh UV rays that can fade and crack finishes. With an extra layer of protection from excess wear and tear, it’s easy to keep traveling in style in your little abode on wheels.

Key considerations

Some travel trailer covers are designed for specific models, while others are geared toward a more universal fit. These styles come with a variety of ways to secure the cover to the trailer, but it’s common for universal-fit covers to have some slack or excess material even when they’re put on properly. It’s something to look out for when choosing one.

There are many travel trailers on the market with varying dimensions, so consider the size of yours when shopping for a cover. Accurate measurements from bumper to bumper will help you select the correct cover. Height is also important, especially if your trailer has raised windows or vents on the roof. Remember to allow for any additional space required by a ladder, rack, or mounted spare tire.

Travel trailer cover features

Travel trailer covers are typically made of breathable materials designed to hold strong against rain, snow , wind, and UV exposure. Most covers are composed of multiple layers, typically three to five, to maximize protection. More expensive covers can have more layers.

Outside layers: These are usually made of water-resistant polypropylene or another breathable material.

Middle layers: These vary from cover to cover but can include materials that are mold and mildew resistant or incorporate additional water resistance.

• Inner layer: The layer that comes in direct contact with the trailer is usually a softer fabric with a different weave to avoid scratching the paint.

Some travel trailer covers provide extra protection against high wind. Different models have strategically placed slits or vents that allow air to flow and reduce whipping and potential tearing. Expensive covers tend to have more sophisticated wind-resistance systems that can include additional tension panels.

Securing mechanism

Travel trailer covers are secured in several different ways, and this is where models seem to differ the most. Some covers have an elastic hem to enhance the fit, particularly around the bumpers. Custom-fit covers offer a more secure fit because they’re designed for specific trailer models. They also include some ancillary straps to pick up any slack. Universal-fit covers have a combination of adjustable straps, elastic hems, ribbons, and zippers. These allow for the best possible fit when it comes to compatible models. Some also have hook-and-loop straps, which cut down on the possibility of strap hardware tearing the cover or scratching your trailer.

Most travel trailer covers come in neutral colors such as taupe, light brown, and gray, earthy tones that are fairly standard across the market. Despite the lack of color selection, it serves a purpose to somewhat moderate temperatures within the trailer. White or bright colors reflect sunlight, while black or dark colors absorb it. So while these covers aren’t necessarily aesthetically pleasing, they do their part to keep your trailer either cooler or warmer.

Travel trailer cover prices

Considering that travel trailers cost thousands of dollars, spending $100 to $300 for a cover seems a reasonable price to pay to protect your investment. For the most part, the price of the cover increases with size.

Inexpensive: Covers in the $100 to $150 range are typically for smaller trailers, such as “canned ham” models.

Mid-range: These covers cost around $180 to $225 , and the price really depends on size and construction quality.

Expensive: Higher-end covers that cost close to $300 are geared toward larger trailers and tend to have more features for securing the cover.

Know where your patch kit is. If your travel trailer comes with a patch kit, keep it in your trailer at all times so you can make repairs on the road if necessary.

Cover the trailer gently. Travel trailer covers are built to be tough, but they can rip if you pull them too hard over sharp edges. Work front to back. You can more easily smooth out areas while you work toward the rear. Take extra care around the ladder, roof, and bumper corners. And only cover the intended area. Some covers have more slack than others, but it’s not a good idea to try to stretch them to cover other items. Keep tanks and winches exposed; it’s an easy way to avoid tearing the cover.

Cover the trailer in sunny weather. It’s important to keep your trailer covered even when the weather is nice. The sun’s ultraviolet rays can chip and fade paint.

Cover the mirrors. It’s easy to catch the cover on mirrors, so either articulate them inward or cover them separately with side-mirror covers. It’s an easy way to prevent tears in that area of the cover.

• Clean off your travel trailer. Avoid any accumulation of snow, leaves , water, or sticks on top of your travel trailer.

Q. I just traded in my old travel trailer for a new one. Do I have to buy a new cover, or will my old one fit?

A. It might, but it could be time to replace your travel trailer cover anyway. Since they’re out in the elements, these covers are especially susceptible to wear and tear and develop rips over time. Some covers fit more than one style or size of travel trailer, while others are designed for specific models.

Q. Will a travel trailer cover also cover the wheels?

A. Since many covers only envelop the trailer down to the bumper, you’ll need to purchase separate wheel covers. Depending on the manufacturer, you can purchase matching wheel covers from the same product line as your trailer cover.

Q. What if I need to get into my travel trailer while it’s covered?

A. If you’re looking for accessibility, opt for a travel trailer cover that has zippered openings near the trailer doors. Custom-fitted (model-specific) covers often have this feature, though it’s less common on universal-fit covers.

Q. These travel trailer covers are pricey, and I see a lot of people using inexpensive tarps at the campground. Can’t I do that instead?

A. You could, but since tarps aren’t specifically designed for travel trailers, they may not offer much protection. In fact, they could do more harm than good. Tarp material, especially blue tarps, are rough and could scratch paint. They also have metal components, such as grommets, which could dent your trailer.

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Travel Trailer Covers

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BE SURE TO MEASURE ENTIRE LENGTH OF RV INCLUDING BUMPER, SPARE, LADDER ETC

• Fits 26' Long

Shop the Best Travel Trailer Covers

National RV Covers is your source for the best travel trailer covers on the market. We offer a vast selection of covers to fit all sizes and styles of travel trailer, with a wide variety of price points to suit all budgets and applications. We only carry the highest quality brands to ensure that you always get the best possible value, regardless of which style cover you choose. PLUS, we test each and every one of them ourselves before we add them to our product line.

Our knowledgeable USA-based fit experts are always ready to answer any questions to help you select the perfect cover for your travel trailer.

Call us 7 days a week at: 800-616-0599.

Experts in Travel Trailer Covers

National RV Covers is pleased to offer five lines of camper travel trailer covers to meet your needs. Simply choose the performance level of cover line and select the size of your travel trailer. Some lines are great for light duty use, where others protect travel trailers from the harshest weather conditions on the planet. All are waterproof and come with warranties that last for years.

Direct Source for Travel Trailer Covers

We know what it takes to keep our customers satisfied with over 25 years of RV cover experience. We offer quality products at a great price with outstanding customer service. Now to save money and time you can purchase high quality covers directly from National RV Covers. Our call center is open 7 days a week to serve you. Please call us at 1-800-616-0599

Travel Trailer Cover Selection

No one beats the selection of travel trailer covers at National RV Covers. We have our own National RV Covers Brand, in addition to several lines of covers to choose from including Seasons, Expedition and Goldline. These options allow you to decide on the performance level you need depending on factors like climate or how much usage your motorhome cover will get.

Quality Travel Trailer Covers

Every travel trailer cover is high quality and manufactured to meet our demanding specifications. All materials used are tested to withstand weather extremes to protect your RV from rain, snow, ice, UV, dirt and grime. Keeping your motorhome covered during the off season will help prolong the life of your RV and keep it looking good for many years to come.

National RV Covers: Everything You Need To Know

National RV Covers is your best source for high-quality Travel Trailer camper covers that fit Travel Trailers from 10 feet to 46 feet in length. We only carry the highest quality brands to ensure that our customers get the best value. Choose from five distinctive camper cover brands with features like Durapel Rain finish for waterproof protection, and full length zippered panels for easy access.

You Can’t Beat Our Travel Trailer Cover Brands!

National RV Covers offers five Travel Trailer camper cover brands for RVs: Goldline, S2, Expedition, Seasons, and National Covers. All our Travel Trailer covers are made using water resistant fabrics with a UV coating to offer the best protection against sun, rain, and snow.

Learn More About Our Brands:

The only all-fabric travel trailer covers on the market, made with a heavy-duty Marinex marine grade fabric with Tru-Weave breathable fabric that won’t tear or break down in inclement weather. The Goldline camper cover comes in 2-foot increment sizing for a strong, semi-custom fit. Every detail is designed into these covers, including Endurance Roof Straps™ to reduce stress on the roof seams.

S2 Expedition travel trailer covers specialize in a snug, custom-like fit with adjustable full-length panels in the front and rear. Important details like extended fabric roof protects the top corners from tearing. The S2 features a Marinex marine grade waterproof fabric roof and heavy-duty sidewall construction. Two-foot increment sizing vs. three-foot gives the S2 camper cover that custom look and feel.

Featuring a Marinex marine grade waterproof fabric roof and heavy reinforced elasticized corners, this high-quality travel trailer cover will protect your travel trailer in any weather. Zippered panels around the entire camper cover allow for easy access to any part of your RV. Sewn-in dual vortex vents prevent billowing and promote air circulation.

Seasons brand travel trailer covers are designed for short-term indoor or outdoor storage in between adventures. The easy-on, easy-off design of this travel trailer cover makes it a convenient choice. Treated with Durapel Rain Finish and UV Sun inhibitor, Seasons is made to withstand weather to keep your RV protected.

More About Travel Trailers

In the United States, Travel Trailers trace back to the 1920s when they were referred to as ‘tin can tourists’. Travel Trailers are also referred as campers by Americans and caravans by British. Today, Travel Trailer campers are classified as a type of RV, one without an engine. Therefore, Travel Trailers must be towed behind a vehicle. Smaller model campers can be towed by mid-sized vehicles like a minivan, SUV or pickup truck. Travel Trailer campers are spacious and can be luxurious, offering a vacation on wheels and a home away from home.

Other RV cover styles you may be interested in:

• Toy Hauler
• Truck Camper
• Horse Trailer

Popular Travel Trailer Manufacturers Include:

• Gulf Stream
• Grand Design RV
• Coachmen RV
• Starcraft RV
• Forest River Inc.
• Heartland RV
• Winnebago Industries

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Randy H.   ★ ★ ★ ★ ★    Verified Customer

Very quick and easy, great RV cover

James P.  ★ ★ ★ ★ ★    Verified Customer

second time I first one is holding up great ordered 2 different RVs

Timothy B.  ★ ★ ★ ★ ★    Verified Customer

Super smooth, and love the fit for my Lance trailer

Aaron B.  ★ ★ ★ ★ ★    Verified Customer

Help was all good- nice product- nice materials

Dennis J.  ★ ★ ★ ★ ★    Verified Customer

Christopher in customer service was helpful with looking up previous order to get the dimensions need for the exact fix of this new RV cover.

Gary C.  ★ ★ ★ ★ ★    Verified Customer

Great Web Site and products – got the word from a friend

Robert L.  ★ ★ ★ ★ ★    Verified Customer

Very easy, glad we went with National

Sonny S.  ★ ★ ★ ★ ★    Verified Customer

Ordering processs was super easy and had my exact boat in the files. Outstanding price as well.

Brent S.  ★ ★ ★ ★ ★    Verified Customer

Called to get 10% military discount, guy on phone, thank you! Fabric good

Lael S.  ★ ★ ★ ★ ★    Verified Customer

I don’t know if it covers the ladder- but they said it did

Mario L.  ★ ★ ★ ★ ★    Verified Customer

Very smooth procedure . Seems like a great product for the price. Love the Goldline

Javier S.  ★ ★ ★ ★ ★    Verified Customer

very easy, I picked the wrong fit and they helped at no charge

Zack T.  ★ ★ ★ ★ ★    Verified Customer

placed my order. I'll check back when I know its correct and delivered on time

Leon M.  ★ ★ ★ ★ ★    Verified Customer

Called customer service for help – and they did

David C.  ★ ★ ★ ★ ★    Verified Customer

It does not get easier than this! RV clean

Connor B.  ★ ★ ★ ★ ★    Verified Customer

can I confirm the warranty of the product -good

Ryan H.  ★ ★ ★ ★ ★    Verified Customer

Great service, easy to order! Will use again!

Will M.  ★ ★ ★ ★ ★    Verified Customer

Glad you had my older model class A Winnebago as a choice. No other online sites had it!

Evelyn C.  ★ ★ ★ ★ ★    Verified Customer

Paul K.  ★ ★ ★ ★ ★    Verified Customer

I bought from here before very easy also good product

Stacy W.  ★ ★ ★ ★ ★    Verified Customer

Painless and a great cover

Lupe H. ★ ★ ★ ★ ★   Verified Customer

Description of my RV easy to distinguish on site. Great experience.

Dave D.  ★ ★ ★ ★ ★   Verified Customer

second time I first one is holding up great ordered 2 different boats- strong material

James B.  ★ ★ ★ ★ ★   Verified Customer

Ordering processs was super easy and had my exact RV in the files. Outstanding price as well.

Timothy M.  ★ ★ ★ ★ ★    Verified Customer

Help was all good- nice product

Jack C.  ★ ★ ★ ★ ★    Verified Customer

Easy selection process, great options- nice materials- fast delivery

Robert F.  ★ ★ ★ ★ ★    Verified Customer

Hong M.  ★ ★ ★ ★ ★    Verified Customer

I don’t know if it covers the rear seats.

Brent N.  ★ ★ ★ ★    Verified Customer

Very smooth procedure . Seems like a great product for the price. Love the Summerset

Jeff G.  ★ ★ ★ ★ ★    Verified Customer

 Called customer service for help – and they did

Leon L.  ★ ★ ★ ★ ★    Verified Customer

It does not get easier than this!

Julianne S.  ★ ★ ★ ★ ★    Verified Customer

Easy to use web site with the correct information, got the cover thank you fits great

Karen B.  ★ ★ ★ ★ ★    Verified Customer

The shopping experience was quick and easy. Great rating for the delivery and quality of material and workmanship upon receiving.

Shane J.  ★ ★ ★ ★ ★    Verified Customer

Dale E.  ★ ★ ★ ★ ★    Verified Customer    

Quick and easy

Francis J.  ★ ★ ★ ★ ★    Verified Customer

having the rv style images was extremely helpful. We got the perfect fit.

Michael R.  ★ ★ ★ ★ ★    Verified Customer

American company and a good warranty, that is what we're looking for.

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Best RV Covers: Keep Your Home Away From Home Protected

Shield your camper from the elements with one of the best covers you can buy.

We may earn revenue from the products available on this page and participate in affiliate programs. Learn more ›

It’s no secret that your RV’s exterior takes a lot of hits, both while it’s out on the road and while it’s parked. The constant UV rays of the sun, temperature shifts and extremes throughout the year, and even deluges of rain and dirt can all make your camper age quickly, leaving you with repairs and more upkeep. However, with one of the best RV covers, you can easily shield it against all of the elements. Easy to use and to find, an RV cover wraps your vehicle in a blanket of protection from roof to wheels. And with the right cover, you can combat concerns like sun exposure, seasonal outdoor storage, and more. Plus, with covers available for every class, shape, and model of RV, finding an easy-to-fit cover is a breeze.

Classic Accessories OverDrive PermaPro Heavy-Duty RV Cover

• Heavy-duty all-weather coverage
• Ventilated for wind and mold
• Adjustable tension panels for a custom fit
• Requires two people to put on

North East Harbor Waterproof RV Cover

• Waterproof to resist rain and snow
• Zippered access panels
• Any loose fabric can tear in wind

Camco Pro-Shield Class A RV Cover

• Three layers of highly breathable material
• Resists water and dirt
• Straps secure cover in three ways

Summary List 

Best Overall: Classic Accessories OverDrive PermaPro Heavy-Duty RV Cover

Best Value: North East Harbor Waterproof RV Cover

Honorable Mention: Camco Pro-Shield Class A RV Cover

Best Moisture-Resistant: Classic Accessories OverDrive PolyPro 3 Deluxe RV Cover

Most Versatile: Budge Industries Standard Class C RV Cover

Best Easy Access: Camco Pro-Shield RV Cover

Best Heavy-Duty: Classic Accessories SkyShield Class C RV Cover

Our Methodology

The best RV covers on my list are those that are from reputable brands — brands that specialize in either RV covers or other RV, trailer, and camping gear. To choose these product picks, I compared different covers of various sizes and forms to one another, and those that offered complete coverage for common RV sizes were those I focused on. From there, I specifically looked for products that shielded campers from the sun’s rays, moisture buildup, rain and snow, and strong winds. The top picks were those that users mentioned held up best throughout varying outdoor conditions in their reviews. 

Best RV Covers Reviews & Recommendations

Best Overall

• Brand: Classic Accessories
• Fits: RVs 24-27 feet long
• Material: Polyester ripstop
• All-weather protection
• Adjustable tension panels
• Zippered panels provide easy access
• Includes repair kit and zippered storage bag
• Brand: North East Harbor
• Fits: RVs 26-30 feet long
• Material: 500D polyester
• Waterproof for rain and snow protection
• Reinforced straps
• Adjustable front and rear tension panels

Honorable Mention

• Brand: Camco
• Fits: Class A RVs
• Material: Three-layer polypropylene and microporous film
• Three-layer fabric construction
• Highly breathable
• Zippered access doors
• Front, rear, and underbelly securing straps
• Easy to tear in windy weather

Best Moisture-Resistant

Classic Accessories OverDrive PolyPro 3 Deluxe RV Cover

• Fits: RVs 23-26 feet long
• Material: Polypropylene
• Prevents mold and mildew
• Protects against wind, rain, ice, and snow
• Sturdy zippered panels
• Adjustable rear and front tension panels
• Zippered panels may not line up with RV doors or storage

Most Versatile

Budge Industries Standard Class C RV Cover

• Brand: Budge Industries
• Fits: Class C RVs (available in multiple sizes)
• Easy to install alone
• Water-resistant and weather-resistant
• Full height zippered access panels
• UV-treated material
• Corners can begin to show wear faster than the rest of the cover

Best Easy Access

Camco Pro-Shield RV Cover

• Fits: Various RV sizes
• Strong three-layer material
• Durable cinching and underbelly straps
• Reinforced in areas prone to wear
• Backed by a three-year manufacturer’s warranty
• Installing the cover requires careful layout and prep

Best Heavy-Duty

Classic Accessories SkyShield Class C RV Cover

• Fits: Class C RVs
• Material: Woven polyester
• Tear-resistant and ripstop material
• UV-resistant
• Adjustable, stretchable tension panels
• Integrated undercarriage strap system
• Corners and other areas prone to wear aren’t reinforced

Our Verdict

The Classic Accessories OverDrive PermaPro Heavy-Duty RV Cover is a high-quality cover that can withstand year-round weather and temperature extremes, keeping your camper well-protected (and you worry-free). If you’re looking for value as well as reliability, the North East Harbor Waterproof RV Cover is a solid option that’s affordable in price and able to protect your RV in most weather, with handy features. 

Things to Consider Before Buying RV Covers

RV covers might look pretty identical, but they can differ noticeably when you get into the nitty-gritty details like cover material, size and shape, and even their cute designs. Some are hardier than others, and it’s important to think about the following details as you shop for and compare different covers. 

Cover Class or Size

First and foremost, you’ve got to know what size RV you’re trying to cover. Many RV covers specify which class (like Class A or Class C) they’re fitted to cover. Others will only list the RV length as an indicator. Make sure you know how long your RV stretches and what class it’s categorized into so you can pick a cover that’ll actually fit, without leaving areas exposed and vulnerable. 

Weather and Waterproofing

If you’re storing your RV outdoors — which is often the reason you need a cover — then you want to make sure you’re getting one that’s made out of weatherproof and waterproof material. Check the material description and look for indicators like a waterproof rating, wind- and tear-resistant fabric, and slick exterior surface material to encourage water to slide right off. You’ll also want to consider UV protection or reflection; the sun’s rays can fade, crack, and ultimately degrade material, so UV-resistance is a big benefit year-round. 

RV covers come in some surprising shapes to fit campers of all different makes and models. While many covers are pretty straightforward (and rectangular) in design, others can feature different cut-outs, indentions, or extra flaps of material that help provide a close fit on different model styles. And not all covers are designed to encase your camper in material from roof to wheels. Take a look at the fitment information as well as the design and shape — plus any model-specific notes — for every cover to make sure you won’t have gaps, material overhang, or other poor coverage issues. 

Ventilation

While it might sound counterintuitive when you’re trying to keep moisture from rain and snow off your RV, you want a cover that’s ventilated. Ventilation helps your RV breathe and get airflow while it’s stored, and that can make a world of difference in humid locations. Good ventilation can prevent mold from forming and growing, saving you a lot of effort at mold removal when you’re ready to hit the road in spring and summer. 

Security and Access

Lastly, you want to make sure that your RV’s cover stays secure, even in inclement weather. But while you should seek out secure tie-down or Velcro straps, it’s also a good idea to consider covers that offer convenient access. Once your cover is in place, it’s a pain to have to completely remove it throughout the year if you need to sneak inside. Covers with zippers, “doors” over your camper’s door, and other points of easy access give you both security and the ability to get inside without a lot of effort. 

RV Cover Pricing 

On the budget-friendly end of the RV cover pricing spectrum, you’ll find entry-level products priced between $125 and $250. These are typically basic covers, but they offer a good layer of protection for short-term storage needs. For $250 to $400, you’ll find larger covers that work on the biggest RVs as well as more all-weather options with increased durability. If you need a seriously durable, premium cover that withstands harsh weather, you can expect to pay as much as $425 or more. 

You’ve got questions. The Drive has answers.

Q: Do RV covers cause mold?

A: RV covers can actually lead to mold growth, but only if they aren’t well-ventilated. Moisture, either from rain or humid conditions, can foster mold growth underneath your cover. To prevent this, look for one with venting to allow airflow.

Q: Should I cover my RV with the slides in or out?

A: Before you cover your RV, make sure to push the slides in. Storing your camper with these components out can lead to premature damage, especially if you’re keeping your RV outdoors all winter long.

Q: Are RV tire covers worth it?

A: If you’re planning to put your RV in long-term storage outdoors, then tire covers can be a worthwhile investment. They can prevent UV rays from damaging or degrading the rubber of your tires, and they can also limit moisture that may rust your wheels.

Q: Can you put an RV cover on by yourself?

A: It’s possible, but if you check the instructions for most RV covers, you’ll notice that they typically recommend installing with two people. It’s tough to get onto your RV and cover it quickly (and with little frustration) if you’re alone; with a partner, you’ll get it done smoothly and quickly.

Q: How do you tie down an RV cover?

A: It varies from cover to cover, but typically, your cover will include Velcro straps or tie-down straps that secure the cover in place. Look at the product description before buying any cover to determine exactly how it’ll stay secure (especially if you plan to use your cover outdoors).

Why Trust Us

Our reviews are driven by a combination of hands-on testing, expert input, “wisdom of the crowd” assessments from actual buyers, and our own expertise. We always aim to offer genuine, accurate guides to help you find the best picks.

Other ‘ RVs ’ Reviews You Might Like:

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RV Insurance

Insurance for your RV, travel trailer, or camper.

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

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

• Motorized RV insurance
• Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

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 .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

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.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

• Defensive Driver Discount
• Good Student Discount
• Military Discount
• Multi-Vehicle Discount
• Multi-Line Discount
• Association Discounts
• Commercial Driver's License Discount
• Anti-Theft Discount

Pay Your Way

We offer convenient payment methods and plans :

• Pay online, over the phone, or by mail
• Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

• Get an ID card
• View your policy details
• File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

• Total loss replacement
• Replacement cost personal effects
• Vacation liability
• Emergency expense coverage
• Special windshield deductible
• Recreational vehicle medical payments coverage
• Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

• Conventional travel trailers
• Fifth-Wheel travel trailers
• Folding camper trailers
• Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

• Sales Mon - Sun 8:00 AM - 10:00 PM (ET)
• Service 24 hours 7 Days a Week

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.

Please note:

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.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Are you a resident of or looking for insurance in the State of Colorado?

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Learn what Medigap Covers

Medigap plans generally help cover your share of costs for services that are covered by Original Medicare (Part A and Part B). The benefits are different in each plan – you can buy the one that meets your needs. Not all plans are offered in every state. What else should I know about companies that sell Medigap policies?

What's Covered?

Medigap policies help cover out-of-pocket costs associated in Original Medicare, like:

• Coinsurance
• Deductibles

Some Medigap policies cover services that Original Medicare doesn't cover, like emergency medical care when you travel outside the U.S. (foreign travel emergency care). What's included in foreign travel emergency care?

What's not covered?

Medigap doesn’t cover everything. Medigap plans generally don’t cover:

• Long-term care (like non-skilled care you get in a nursing home)
• Vision or dental care
• Hearing aids
• Private-duty nursing

Note: You can enroll in a separate Medicare drug plan (Part D) if you want prescription drug coverage. Medigap plans sold after 2005 don’t include prescription drug coverage.  

Compare Medigap Plan Benefits

7 Best RV Insurance Companies of 2024

Money’s main takeaways.

• RV insurance is essential for both full-time RV living and occasional trips.
• Premiums are based on factors like your driving record and RV type, age and condition.
• Our top picks include Good Sam, National General and Auto-Owners Insurance.

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

• Reviewed 15+ companies
• Conducted over 1,000 hours of research
• 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 for Best RV Insurance Agency
• 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 agent contact
• 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 selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

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 a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

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

• Free annual reviews to reevaluate coverage and discounts
• Optional towing coverage includes lodging, transportation and meals
• Various policies available for easy bundling and savings
• 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, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’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 like solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV after a 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 called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

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 excludes personal property and emergency expenses
• Rates differ based on whether you buy online or through an agent
• Discounts aren't 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 pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no 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 due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with 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 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 that 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
• Includes roadside assistance, hotel discounts and more
• Coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions
• 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 it doesn’t offer coverage 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 >>

• Total windshield replacement deductible is only $50
• Personal effects replacement limits up to $100,000
• Free accident forgiveness after 5+ years
• Offers limited information on its website
• Enhanced RV coverage unavailable in HI, MA, MI and NC
• Total loss replacement coverage availability varies

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 by $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 covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much 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 trailers, motor homes, luxury coaches 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 >>

• Offers 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 regarding specific coverages and discounts on its website . This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Multi-vehicle, safe driver and original ownership discounts
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members 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, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

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 you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

The following factors influence the cost of an RV insurance policy:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
• Where you live: 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 an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
• Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
• Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Recreational vehicles fall into four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, drivable units with living quarters and appliances. Towable RVs, also called campers or trailers, may also have amenities, but 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, measuring 24 to 45 feet long and fitting as many as 12 passengers. However, their size can make driving tricky and limit their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest (17 to 19 feet long) and least expensive type. 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 measure 21 to 41 feet long and are easily recognized by their over-cab sleeping or storage area. Compared to larger units, they have better gas mileage and maneuverability and are ideal for full-time living. Class C motorhomes can accommodate up to eight passengers and include a kitchen, dining area, bathroom and sleeping quarters.

Towable RVs

Towable RVs can be hitched to SUVs, pickup trucks or any capable vehicle. This category encompasses fifth wheels, toy haulers, travel trailers, and pop-up and truck campers, typically ranging from 10 to 30 feet. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be vehicles and primary residences, insuring them requires special considerations. Some policies offer basic liability protection, while others provide broader coverage for 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 towing vehicle may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability, 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 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 without insurance or insufficient coverage.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or 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 stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. 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 RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

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 caused by regular wear and tear, freezing temperatures or manufacturer defects.
• Earthquake coverage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

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

Determine the coverage you need

Your car insurance policy may extend to towable campers or trailers, but not motorhomes. And while auto insurance may cover you against liability and damages to the RV, it generally doesn’t cover belongings or appliances inside the vehicle. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

Another option is umbrella insurance for your RV, which covers liability claims exceeding your primary auto, home or RV policy limits. However, coverage only kicks in if your RV is covered by an underlying policy that meets the umbrella policy’s liability requirements.

Take time to shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

Consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies . Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim.

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
• Having a favorable record of insurance losses
• 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, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver, and coverage for personal accidents or personal effects.

You can purchase a policy through the rental company or your insurer. However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

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. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

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 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. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

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

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if 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 hooked 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 to ensure the trailer 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 with above-average scores in J.D. Power’s U.S. Auto Insurance Study.
• 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 .

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

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Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

How to Get Airport Wheelchair Assistance (+ What to Tip)

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From planning to arrival, get helpful tips to make the journey easier.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

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• RV Parts & Accessories
• RV & Trailer Covers

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VEVOR Travel Trailer Cover, 28-30' RV Cover, 4-Layer Non-Woven Fabric Camper Cover, Waterproof, Windproof and Wear-Resistant Class A RV Cover, Rip-Stop Camper Cover with Storage Bag and Patches

Purchase options and add-ons, about this item.

• Perfect Fit 28'-30' RVs: Our travel trailer cover is great for 28'-30' RVs, measuring 370.9"L x 115.4"W x 99.2"H. Ensure a precise fit by measuring your RV, including bumper, ladder, and spare tire (excluding hitch). We provide a wide range of camper covers, so you'll always find the perfect size for your RV.
• Robust 4-Layer Protection: Crafted with a durable 4-layer top and 3-layer sides of wear-resistant, non-woven fabric, our travel trailer cover shields your RVs from rain, snow, strong winds, bird droppings, dust, and scratches. It also boasts excellent air permeability while blocking UV rays, defending your RV against all seasons of harsh weather. The double sewing at the joints ensures long-lasting durability.
• Secure Windproof Design: The bottom edge of our RV cover features an elastic band that snugly hugs your RV's contours, maintaining its shape and preventing it from blowing away. We've included multiple tire ropes and middle wrap straps to enhance wind resistance and keep your RV cover securely in place.
• Convenient and Accessible: The zipper door provides easy access to your RV door whenever needed, and the windows can be effortlessly opened. Front and rear reflective strips ensure maximum safety during night or snowy conditions and while parking. The "FRONT" sign helps you easily distinguish the front and back ends of the cover. And a storage bag is included for compact and tidy storage when not in use.
• Bonus Patch Kit: We provide 3 large-size RV cover patches made from the same high-quality material; no worries when encountering situations where the camper cover gets cut by branches or sharp edges. Simply use the double-sided adhesive, and your RV cover will have extended longevity, protecting your investment for years to come.

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Product Description

Shield your journey, cover your rv.

Our class-A RV cover is expertly designed to fit 28'-30' RVs, providing protection snugly. For proper installation, be sure to measure your RV accurately. We also offer various RV cover sizes to cater to your specific needs.

Crafted from a robust 4-layer top and 3-layer sides of durable non-woven fabric, our cover features waterproofing and UV resistance. It shields your RV trailer from rain, snow, strong winds, bird droppings, dust, and scratches.

Our RV cover's bottom edge features elastic bands that encircle the entire cover, ensuring a snug fit and maintaining the cover's shape, even in strong winds.

The side and rear doors of the zipper enable easy access to the door of your RV. Reflective strips at the front and back of the cover enhance visibility during nighttime, snowy conditions, or when parking. The "FRONT" sign helps you easily identify the cover's orientation.

Your RV cover may encounter damage from branches, animals, or weather. We provide three large 39.3" x 59.1" (1000 x 1500 mm) patches and double-sided tape for swift and hassle-free repairs to address this.

More Sizes Available

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VEVOR Travel Trailer Cover: HONEST REVIEW + SETUP

Review VEVOR Travel Trailer Cover, 18-20' RV Cover

Scott & Tammy's Find

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Customers say

Customers have negative opinions about the zipper of the vehicle cover. They mention that it's cheap, skinny, and breaks easily. Opinions are mixed on durability.

AI-generated from the text of customer reviews

Customers are mixed about the durability of the vehicle cover. Some mention that the material is good and very durable, while others say that it ended up torn to bits.

"...extra that I had to tuck and fold to make it work but the quality of the cover is nice just to long! Overall nice cover just wish it was a bit tighter" Read more

"...it on, it wouldn't stay on, we put on our own straps, and it ended up torn to bits , 2 months old, past the return date." Read more

" Great material . Plenty of straps to secure.Definitely a two person job!" Read more

"...It has not torn in the same windy situations (we did use the provided tape to cover the sharp edges on our solar panels)...." Read more

Customers are dissatisfied with the zipper of the vehicle cover. They mention that it's cheap, skinny, and breaks easily.

"...Unfortunately the zippers have broken in two places on this. The days were very windy, but I did expect them to hold a bit better...." Read more

"as soon as I tighten the straps they broke . went to zip up the panel and the zipper broke. for $300 plus dollars very disappointed" Read more

"This cover has cheap zippers . Not commercial grade. Even my jeans have a better zipper! Super skinny zipper definitely a design flaw!" Read more

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