RV Insurance Guide 2025
Protect your home on wheels with comprehensive RV coverage. Learn about motorhome, travel trailer, and camper insurance options.
What is RV Insurance?
RV insurance is specialized coverage designed for recreational vehicles including motorhomes, travel trailers, fifth wheels, and camper vans. Unlike standard auto insurance, RV policies often include coverage for personal belongings, attached accessories, and vacation liability.
Whether you're a weekend warrior or a full-time RVer, having the right insurance protects your investment and gives you peace of mind on the road.
Types of RVs We Cover
🚐 Class A Motorhomes
Large, bus-style RVs with full amenities. Most expensive to insure due to their value.
🚌 Class B Camper Vans
Converted vans with compact living spaces. Most affordable RV insurance option.
🚍 Class C Motorhomes
Built on truck chassis with an over-cab sleeping area. Mid-range insurance costs.
🏕️ Travel Trailers
Towable RVs in various sizes. Often covered under separate trailer policies.
RV Insurance Coverage Options
Total Loss Replacement
Replaces your RV with a new one of the same make/model if totaled within the first few years.
Personal Effects Coverage
Covers personal belongings inside your RV like electronics, clothing, and camping gear.
Vacation Liability
Protects you if someone is injured at your campsite or inside your parked RV.
Emergency Expense Coverage
Covers lodging, meals, and transportation if your RV breaks down away from home.
Full-Timer Coverage
For those who live in their RV full-time, providing homeowner-like liability protection.
Average RV Insurance Costs
| RV Type | Annual Cost | Monthly Cost |
|---|---|---|
| Class A Motorhome | $1,000 - $2,500 | $83 - $208 |
| Class B Camper Van | $500 - $1,000 | $42 - $83 |
| Class C Motorhome | $800 - $1,500 | $67 - $125 |
| Travel Trailer | $250 - $500 | $21 - $42 |