Nebraska RV insurance

Do you need RV insurance in Nebraska?

To drive a motorhome, Nebraska law requires you to carry RV liability coverage and uninsured/underinsured motorist bodily injury coverage (UM/UIM BI). Liability coverage may pay for damages and injuries you cause on the road, and UM/UIM coverage can protect you and your RV if you're hit by a motorist with no insurance or insufficient coverage limits. You may raise your liability and UM/UIM limits if you need more coverage to fully protect your assets.

Do you need insurance on a camper in Nebraska?

If you have a camper, also known as a travel trailer, you're required to carry auto liability coverage for the vehicle you use to pull your camper. Note that liability coverage won't cover damage to your travel trailer or motorhome. You can purchase RV comprehensive and collision coverage to protect against RV damage, but they aren't required by state law. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if you own your RV outright, comprehensive and collision can be crucial to protect against damage to what is often one of your most valuable assets. These coverages may cover the actual cash value of your RV if your motorhome or trailer is stolen or damaged beyond repair.

Comprehensive covers events out of your control, including RV theft, vandalism, fire, hitting an animal, and weather-related issues. Collision covers your RV if you collide with another vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Nebraska?

The average premium for a 12-month Nebraska RV insurance policy at Progressive for 2023 was $781.90 for a motorhome and $730.04 for a travel trailer. Progressive offers RV policies starting at just $125/year^* but your cost for RV insurance depends on several components, including:

• Type and model: The more expensive your RV is to repair or replace, the more you pay to insure it. Larger, newer RVs often cost more than smaller, used RVs; and motorhomes typically cost more than travel trailers or pop-ups.
• Claims history: Your history of filing insurance claims may affect your rate.
• Driving record: Violations can increase the price of your policy.
• Location: Your ZIP code can influence the cost of RV insurance.

What's the best RV insurance in Nebraska?

RVers in Omaha, Lincoln, and other Nebraska cities know that the best RV insurance is an affordable policy with personalized coverage. Progressive is a leader in RV insurance, offering cheap RV insurance in the Cornhusker State without compromising on quality protection for you and your motorhome or camper.

Searching for the cheapest RV insurance in Nebraska? Check out some of Progressive's RV insurance discounts:

• Multi-policy discount
• Responsible driver discount
• Paid in full discount
• Original owner discount
• Advanced quote

More RV coverages available in Nebraska

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

• Total loss replacement: Covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy. If you have a new, never titled RV, you may be eligible for total loss replacement.
• Roadside assistance: Covers the cost of a tow in case of dead battery, flat tire, or other break downs.
• Replacement cost/personal effects: Covers personal items inside your motorhome or travel trailer, up to a specified amount, such as your smart phone, camping equipment, or television.
• Emergency expense: Pays up to $2,000 for hotel and travel costs if your RV breaks down more than 50 miles from home. The minimum coverage amount is $750. If you have a full-timer’s policy, emergency expense coverage may pay up to $7,500.
• Vacation liability: If you're on vacation and someone is hurt in or around your motorhome or travel trailer, you may be covered up to a specified amount.
• Pet injury: Covers vet bills up to $1,000, with no deductible, if your dog or cat is hurt in an RV accident.
• Pest damage protection: Covers repairs, up to a specified amount, if a wild animal damages your RV.^**
• Roof Protection Plus®: May pay to repair or replace the damaged roof of your motorhome, even if the damage resulted from normal wear and tear.^**

Find out additional information about our RV insurance coverages.

What if I live in my RV full time?

If your RV is your permanent residence, you may need additional coverage that a recreational RV policy doesn't offer. However, a full-time RV insurance policy may offer protection when your RV is your primary home with the follow coverages:

• Personal liability: Liability coverage on a full-timers policy can protect against liability claims if you're responsible for someone else's injuries or damages, even when your RV is parked
• Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills
• Loss assessment: This coverage can pay for fees or charges from your RV association, up to $5000

Important facts for RV owners in Nebraska