RV Insurance Costs and Company Reviews

Owning an RV is a huge investment. Having RV insurance is a wise way to protect that investment from accidents or loss in a fire, storm, theft, vandalism and many others.

This guide will help you determine RV insurance cost, what to get in your policy and where to buy it. We also review various insurance agencies that offer the b-est deals.


RV Insurance Facts

Basic RV Insurance

RV insurance is just like your regular auto insurance with a few add ons. Both protect the driver in the event of loss such as fire and theft, or from damage and liability caused if they are at fault in an accident. Policies such as emergency roadside assistance and roadside breakdown compensation are also offered.


Do I need it?

If you own a motorhome, you definitely need to have insurance as required by the law in most states. Towable RV like travel trailers, fifth-wheel trailers, pop-up campers, and toy haulers are exempted in some cases. They can be included in the auto insurance coverage of the towing vehicle if:

  1. you own the towable RV outright and don’t have a loan on it

  2. RV insurance is not required by law in the state you live or are traveling in

That said, RV insurance is still recommended regardless of whether your RV is motorized or not. It protects you from paying hefty amounts out-of-pocket in case of loss, accidents where you are at fault and roadside breakdowns, among others.


Where to get RV Insurance

Good Sam RV Insurance

Good Sam is a specialized full-service RV insurance agency that’s made up of well-known insurance companies in the country, such as National General, Progressive, Safeco, and Foremost.

Although Good Sam’s RV insurance premiums are often more expensive than regular car insurance, customers still report that they end up saving a lot more, especially when insuring more than one vehicle in policy bundles. They are highly-rated and trusted by many.

Coverage

The Good Sam RV insurance coverage includes all the standard protection required by law, namely:

  1. Bodily Injury Liability

  2. Property Damage Liability

  3. Collision

  4. Comprehensive

  5. Personal Injury

  6. Medical Payments

  7. Uninsured/Underinsured Motorist

They also offer RV specific coverage such as:

  1. RV Specific Coverage

  2. Total Loss Replacement

  3. RV Roadside Assistance

  4. Full Timer

  5. Belongings & Personal Effects

  6. Permanent Attachments

  7. Emergency Expense Allowance

  8. Mexico Insurance

  9. Vacation Liability

  10. Hitch Coverage

The RVs covered are:

  1. Class A

  2. Class B

  3. Class C

  4. Conventional Travel Trailer

  5. Fifth Wheel Trailer

  6. Pop-up Tent Trailer

  7. Mounted Truck Camper

  8. Toy Hauler & Horse Trailer

  9. Cargo/Utility & Single Horse Trailer

Discounts are available for:

  1. Bundled Policy

  2. Disappearing Deductible

  3. Safe/Responsible Driver

  4. Low Mileage

  5. Paid-in-Full

  6. Storage Option

Customer Service

Customer service is helpful and responsive for the most part. On average, this insurance agency receives fewer complaints compared to its competitors. Most complaints are for dismissed and denied claims.

This site has more reviews for Good Sam RV insurance.

Progressive RV Insurance

Progressive is one of the largest vehicle insurance providers in the US, including RVs. You can get a quote directly from Progressive or through Good Sam. Progressive boasts its cheap annual policies start as low as $125. 

Although not as comprehensive as others in the market, Progressive RV insurance premiums are reliable for its low rates and highly-customizable products.

Coverage

The Progressive RV insurance standard coverage includes all of the basic coverage offered by Good Sam except for Personal Injury. They are:

  1. Bodily Injury Liability

  2. Property Damage Liability

  3. Collision

  4. Comprehensive

  5. Medical Payments

  6. Uninsured/Underinsured Motorist

Progressive offers some RV specific coverage, namely:

  1. Total Loss Replacement

  2. RV Roadside Assistance

  3. Full Timer

  4. Belongings & Personal Effects

  5. Emergency Expense Allowance

  6. Mexico Insurance

  7. Vacation Liability

The RVs covered are:

  1. Class A

  2. Class B

  3. Class C

  4. Conventional Travel Trailer

  5. Fifth Wheel Trailer

  6. Pop-up Tent Trailer

  7. Mounted Truck Camper

  8. Toy Hauler & Horse Trailer

  9. Cargo/Utility & Single Horse Trailer

Progressive provides discounts for:

  1. Safe/Responsible Driver

  2. Paid-in-Full

Customer Service

Progressive offers comprehensive customer service to all its consumers, such as their 24/7 customer support and online claim reporting and tracking.

As one of the biggest insurance companies in the US, Progressive is no stranger to complaints, especially with regards to claims dismissal and rejections. 

Detailed reviews for Progressive RV insurance from customers can be found here.

National General RV Insurance

National General has been providing auto insurance to the US public for almost 100 years.

Although National General premiums are more limited in the RV range covered and they do not offer specific premium and deductible ranges, they do have a long list of discounts through their SmartDiscounts program. SmartDiscounts reportedly save consumers almost $350 per year. They also claim to save RV customers almost $250 per year, on average.

National General is also known to waive up to $250 off of consumers’ deductibles if they’re not satisfied with the claims service.

Coverage

The National General RV insurance coverage includes all the standard protection required by law, namely:

  1. Bodily Injury Liability

  2. Property Damage Liability

  3. Collision

  4. Comprehensive

  5. Personal Injury

  6. Medical Payments

  7. Uninsured/Underinsured Motorist

National General also offers a number of RV Specific Coverage, which are:

  1. Total Loss Replacement

  2. Full Timer

  3. Belongings & Personal Effects

  4. Permanent Attachments

  5. Emergency Expense Allowance

  6. Mexico Insurance

National General RV insurance only covers 4 types of RV, they are: 

  1. Class A

  2. Class B

  3. Fifth Wheel Trailer

  4. Mounted Truck Camper

They offer discounts for:

  1. Bundled Policy

  2. Safe/Responsible Driver

  3. Low Mileage

  4. Paid-in-Full

  5. Storage Option

Customer Service

National General’s Customer Service is generally reported as courteous and swift to respond, with knowledgeable representatives. They also offer online claim reporting and 24/7 customer support.

Visit this site if you wish to read more reviews for National General RV insurance from customers.

When you’re shopping for RV insurance, it’s important to know what you should be looking for and where to look to ensure that you are properly covered. Then, can you sit back, relax, and enjoy your camping.

    

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