Free RV Insurance Quotes and Rates
Protect your investment in your RV, motorhome, camper or trailer. Several insurance companies offer specialized insurance policies that recognize the needs of the RV owners or rentals.
These specialty insuarance companies will provide an insurance quote within one business day after you complete their online quote request.
It only takes 5 to 10 minutes but could save you tremendously over time.
- For The Good Sam Club's VIP online quote click here
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- For Foremost Insurance’s online quote click here.
- For RV Alliance America’s online quote click here.
What Do I Need to Know About RV Insurance?
Most recreational-vehicle owners know, or quickly learn, that there's a big difference between standard automobile-insurance and the insurance provided by specialty RV insurance companies. Automobile insurance carriers provide RVers with liability and physical damage coverage only. Standard auto insurance policies do not provide sufficient coverage to include the replacment cost of a comparable new RV if the vehicle is stolen or destroyed. Standard auto insurance policies also do not typically cover the broad range of liability exposures that are associated with the living quarters of an RV or motorhome.
Unlike standard auto insurance policies, specialty RV insuarance coverage can, and in most cases should, include:
- Total-Loss Replacement Coverage: This is the best kind of RV insurance coverage available to RV owners. It provides maximum protection from physical damage and theft, and also protects against depreciation of the actual value of the vehicle. This kind of insurance coverage typically pays for a brand new RV or motorhome if your vehicle is stolen or destroyed during the first five years (sometimes longer). Thereafter, Total Loss Replacement Coverage typcially provides no less than the stated value of the vehicle listed on the policy at the time of purchase.
- Roadside Assistance: This type of RV insurance coverage is similar to the well-known service provided by the American Automobile Association (AAA), but it is specifically enhanced for RV owners: not only is the cost of towing the RV to the nearest qualified repair facility covered, but also the cost of towing any additional vehicles either towed by or towing the RV.
- Emergency-Expense Coverage: This coverage reimburses the RVer for living expenses that may result from specific kinds of vehicle emergencies that take place on the road. If you have an accident while on vacation, this type of insurance coverage will cover the cost of renting a car, staying in a hotel and eating in restaurants while your vehicle is being repaired. Emergency-Expense coverage typically provides $750 to $2,000 per incident.
- Campsite Liability Coverage: This type of RV insurance coverage is like a homeowner's liability policy that provides coverage while you're on the road. It covers claims that may result from trip-and-fall accidents that take place in your RV and immediate campsite as well as any injuries or damage that result from fires, explosions, dog bites or miscellaneous accidents.
- RV and Tow Vehicle Customization: When you add permanent items to your RV or motorhome, such as awnings, cabanas, antennas, entertainment centers, wheelchair lifts, specialized towkits, etc. you increase the value of your RV or tow vehicle. Specialty RV Insurance can cover these types of extras.
- Specialty RV Insurance for Fulltimers. If you're a fulltiming RVers, you need to insure your lifestyle. Fulltimers who claim their RV as their primary residence deserve the same type of protection that regular homeowners nee. That's why many RV specialty insurers offer Fulltimers Coverage, which usually includes personal protection for injuries in or around your RV, personal liability, superior personal effects coverage and much more.
- Personal Belongings Coverage: This RV insurance coverage provides for replacement of personal items carried in the RV, such as clothing, jewelry, camera and video equipment, in the event these items are stolen, damaged or destroyed by fire or other incidents.
- Scheduled Medical Benefits Coverage: This coverage provides specific settlement amounts for specific kinds of accidents or injuries to the RVer.
- Fire Department Charge Coverage: This coverage provides specific amounts for charges made by a fire department. This is a common feature in homeowner policies, and should be considered for your RV.
- Locksmith Coverage: If you're locked out of your vehicle, you'll receive specified coverage towards locksmith services.
All of these coverage areas can be adjusted to suit the particular insurance needs of each RV owner or rental, with full-timers typically opting for higher coverage limits, since they often have more personal belongings with them when they travel, as well as greater travel-related liability exposures, from campsite-related accidents to RV repairs that may temporarily force them to stay in a hotel or rent another vehicle. RVers also find that specialty RV insurance covers any gaps in protection they may have in their existing homeowner's liability policies.
Specialty RV and motorhome insurance prices vary, depending on the carrier, your driving record and the discounts offered by your automobile insurance company. While there are differing opinions on how much specialty RV insurance costs when compared to standard automobile-insurance policies, RV insurers agree that specialty insurance provides maximum coverage for the RV owner. Specialty RV-insurance providers also have another advantage: A specialized staff who understand RVs and know how to handle RV claims. Lastly, many specialty insuarance companies will provide an insurance quote within one business day after you complete their online quote request. It only takes 5 to 10 minutes but could save you tremendously over time.
Who Offers Specialized RV Insurance?
There are many insurance companies that specialize in RV and motor home insurance, includng Good Sam Club VIP Insurance, Foremost Insurance, RV Insurance Alliance, GMAC Insurance, Progressive Insurance and Gilbert Insurnance. Whether you own or are insuring a rental RV, these specialized companies can help you. Most specialty insuarance companies will provide an insurance quote within one business day after you complete their online quote request.
RV Travel Smart and Safe
The right vehicle, the best RV campgrounds and well-planned recreation and activities are all ingredients for a successful RV trip. They all require planning. You also need to map out plans for RV cooking. And, RV safety and RV repairs are also something for whic you should be prepared.
