Trailer and RV Insurance
Get RV insurance with affordable, customized coverage. Get a guote today.
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Rather speak with an insurance agent? Call us: (877) 334-7646
What is Trailer and RV Insurance?
Your RV isn’t just a vehicle. It’s a living space with wheels—a blend of engine and home, adventure and routine. And it needs insurance that understands both sides.
RV insurance protects your motorhome or travel trailer in ways that standard auto insurance simply can’t. Where car insurance stops at the road, RV insurance keeps going—considering everything from how you drive to how you live.
Whether it’s a Class A motorcoach, a compact camper van, or a fifth-wheel trailer, RV coverage is built to safeguard your investment, your belongings, and your way of life on the road.
Because when your vehicle doubles as your home, you need coverage that pulls double duty.
Who Needs Trailer and RV Insurance?
If it rolls like a vehicle but lives like a home, you need RV insurance.
Whether you drive a towering Class A motorhome, a nimble Class B camper van, or a cozy Class C coach—if you’re behind the wheel of a rig built for both travel and living, standard auto insurance won’t cut it.
RV insurance is essential for owners of:
- Class A, B, or C motorhomes
- Travel trailers and fifth wheels
- Pop-up campers, teardrops, or camper vans
But not all RVers are the same. Some hit the road a few weekends a year. Others live in their RVs year-round, chasing warmer weather or the next great view. That difference matters.
If you’re a recreational user, you need protection when your RV is on the road or at the campsite. If you’re a full-timer, your RV is your primary residence—which means your insurance must do the work of both an auto policy and a homeowner’s policy.
In short, RV insurance isn’t one-size-fits-all—because neither are RVers.
Planning to Drive Your RV to Mexico?
U.S. RV insurance won’t cover you across the border. Before you hit the road, make sure you’re protected with a Mexico RV Insurance policy built for travelers. We’ll help you get the right coverage—fast and online.
What Does RV Insurance Cover?
RV insurance protects more than the vehicle—it protects the lifestyle.
Standard coverages handle the basics:
Liability insurance for bodily injury and property damage
Medical payments (MedPay)
Optional coverages go further:
Full-timer liability for those who live on the road
Protection for personal belongings inside your RV
Roadside assistance when you need a tow—or a jump
Vacation liability for accidents at the campsite
Total loss replacement to help you start over
Emergency expense coverage for hotel stays and more
In short: it’s the RV insurance coverage your RV needs, whether it’s in motion or parked under the stars.
What Types of Trailers and RVs Do We Insure?
From luxury motorhomes to weekend campers, we cover the rigs that let you travel on your terms.
Class A Motorhomes
Big, bold, and built for the long haul. Class A RVs are the luxury liners of the road—and they deserve insurance that matches their value.
Class B Camper Vans
Compact, nimble, and surprisingly equipped. Whether you’re stealth camping or chasing trails, we’ll keep your van life rolling safely.
Class C Motorhomes
The perfect balance of comfort and drivability. Class C RVs are ideal for families and adventurers alike—and we insure them with care.
Travel Trailers & Fifth Wheels
Towable comfort that goes wherever you do. From lightweight trailers to high-end fifth wheels, we’ve got your home-on-wheels covered.
If it has wheels and a place to sleep, chances are—we insure it.
How Much Does RV Insurance Cost?
RV insurance doesn’t come with a flat rate—because no two RVers travel the same road.
Your premium is shaped by how you drive, what you drive, and how you protect it when it’s not in use. A retired couple touring national parks in a Class A motorhome pays differently than a weekend warrior hauling a pop-up to Yosemite.>
Key factors that affect your rate:
- Type and class of RV – Bigger rigs and luxury models cost more to repair—and insure.
- Usage – Full-timers carry more risk than occasional travelers.
- Driving history – Fewer accidents means better rates.
- Coverage limits and deductibles – More protection usually means a higher premium.
- Storage and security – Where and how you store your RV makes a difference.
For most RV owners, insurance ranges from $500 to $2,000 per year, depending on these factors.
What Discounts Can I Get?
Smart RV owners don’t just save memories—they save money, too.
You may qualify for multiple RV Insurance discounts that lower your premium without sacrificing coverage:
Multi-policy savings – Bundle your RV with auto or home and unlock a better rate.
Safe driver discount – A clean driving record earns more than just bragging rights.
Storage savings – Not using your RV year-round? Seasonal or lay-up discounts apply.
Anti-theft & safety features – Alarms, GPS tracking, and security systems can pay off.
Loyalty & claims-free – Longtime customers with a clean claims history often pay less.
A little preparation goes a long way—ask us which discounts you already qualify for.
Pro tips for quoting RV insurance
Getting the right RV insurance doesn’t require roadside wizardry. A little preparation goes a long way—especially when it comes to price and protection.
- Know your RV’s value.
Before you quote, get an idea of what your rig is worth. Tools like NADA.com can help you ballpark its current market value. - Choose the coverages that fit how you travel.
Bringing expensive gear? Add personal effects coverage. Spending months on the road? You may need full-timer liability. - Mind your driving record.
A clean history behind the wheel—RV or not—can keep your premium in check.
A few minutes of prep can mean real savings. Quote your motorhome or travel trailer today and get coverage that travels well.
Get an RV Insurance Quote Today
You provide us your information once and we’ll shop the
market for you. It’s fast, safe and secure.
Select a line of business to start a comparison quote. If you’re ready to buy, select from the Quote & Buy options:
Call 877-334-7646 to speak with an insurance agent.
Got RV Insurance Questions?
Annual RV insurance policies can be affordable. Your premiums for RV, motorhome and travel trailer insurance depend on several rating factors, most notably:
- Type, age, and condition: Your RV insurance is primarily determined based on the year, make, and model of your vehicle. As you can imagine, an older, smaller travel trailer will likely have a lower premium than a larger, newer, luxury motorhome. If you’re insuring a state-of-the-art travel trailer, it will cost more than a smaller pop-up camper.
- Use: If you use your RV more often, then it will cost more to insure. In fact, if your RV is also your primary residence, your coverage needs will be different and the premium will differ from a policyholder who uses their motorhome or travel trailer as a weekend warrior.
- Driving history: Just like your auto insurance, a clean driving record can help save money when buying RV insurance. Tickets reported on your driving record and prior accidents can increase your premium.
Because you don’t drive your travel trailer, your state likely doesn’t require you to insure it. However, if you’re financing your travel trailer, then the bank may require comprehensive and collision coverage to protect the collateral against physical damage losses.
Yes. Progressive’s Roof Protection Plus® coverage does include protection against damage to any part of the RV caused directly by a roof malfunction.
Yes to both. We can cover destination trailers like standard travel trailers and horse trailers can be covered up to the maximum amount allowed by the insurance carrier you purchase with.