How does RV insurance work?

Q: What does travel trailer insurance cover/not cover?

Travel trailer policies can cover physical damage to your travel trailer, as well as theft, vandalism, and other incidents both in and out of your control . If you finance or lease your travel trailer, your lender will typically mandate comprehensive and collision coverage. If your trailer is paid in full, you may have the option to carry comprehensive coverage without collision. A travel trailer policy won't cover you for property damage or injuries you cause while pulling your trailer on the road . Liability coverage isn't available for travel trailers, as nearly every state mandates that you carry it on the vehicle that tows your trailer instead. You can typically purchase vacation liability coverage for your travel trailer, in case you're liable for property damage or injuries to others while your trailer is parked at a campsite.

Q: How is RV insurance priced?

Several factors can impact the cost of RV insurance , including vehicle type, usage, coverage selection, location, driving experience, and claims history.

RV insurance can provide protection if you cause injuries or property damage to others and may also cover the cost of damage to your motorhome or travel trailer if a covered incident occurs. You can choose from a variety of coverages that may differ depending on how you use your vehicle — recreationally or as a full-time residence. You can typically customize an RV insurance policy based on your own needs as well as what's required by your state and lender.

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What is RV insurance?

RV insurance is built to safeguard your motorhome or travel trailer against damage from incidents both in and out of your control. An RV insurance policy also offers liability coverage if you're responsible for injuries or property damage when operating your motorhome as well as when your motorhome or trailer is parked at a campsite or RV park.

Need a quick rundown on RV insurance? Watch this brief overview to find out what's required and how an RV policy can protect your motorhome or trailer.

Is RV insurance required?

In nearly every state, you're required to carry bodily injury and property damage liability coverage on your motorhome.

Travel trailers are a different story. Because they're not motorized, insurance is optional. However, if you're financing your motorhome or travel trailer, your lender will typically require you to carry comprehensive and collision coverage. Learn more about RV insurance requirements and find out the minimum RV liability limits in your state.

What does RV insurance cover?

Here are a few of the most common coverages on a motorhome or travel trailer insurance policy.

Liability
Liability coverage is required for motorhomes in nearly every state and helps pay for injuries or property damage you cause to others in an accident. For example, if you’re found at fault in an accident, RV liability coverage may cover the other driver and passengers’ medical expenses and repairs to their vehicle, up to your policy’s limits. This protection only applies to motorhomes, not travel trailers, since trailers typically are covered by the insurance on the vehicle towing them.
Uninsured/underinsured property damage and bodily injury
Depending on the state you live in, you may be required to carry uninsured/underinsured motorist coverage. If your motorhome is damaged by a driver who isn't carrying insurance or doesn't have enough to cover the damage or injuries they've caused, uninsured/underinsured motorist property damage and bodily injury coverage may pay to repair or replace your motorhome and cover injuries you and your passengers suffer, up to your coverage limits.
Collision
Collision coverage covers damage to your RV if you collide with another vehicle or object, such as a fence, tree, or guardrail, regardless of fault.

Learn more about RV comprehensive and collision coverages.
Medical payments
Medical payments coverage may cover medical bills for you and your passengers if you're in an accident, regardless of fault and up to your coverage limit.

Pro tip:

Protect your motorhome’s roof with Progressive’s Roof Protection Plus. If your roof is damaged from a weather-related issue or even wear and tear, we can pay to repair or replace it. This coverage only applies for motorhomes less than six years old, and a $250 deductible applies.

What if you live in your RV full-time?

A full-time RV insurance policy is for those who use a motorhome or travel trailer as their primary residence and may include coverages like full-timer's liability and loss assessment.

What does RV insurance not cover?

Motorhome and travel trailer policies won't cover:

General wear and tear
Damage from mold
Delamination repairs
Fungi or rot

What does travel trailer insurance cover/not cover?

Travel trailer policies can cover physical damage to your travel trailer, as well as theft, vandalism, and other incidents both in and out of your control. If you finance or lease your travel trailer, your lender will typically mandate comprehensive and collision coverage. If your trailer is paid in full, you may have the option to carry comprehensive coverage without collision.

A travel trailer policy won't cover you for property damage or injuries you cause while pulling your trailer on the road. Liability coverage isn't available for travel trailers, as nearly every state mandates that you carry it on the vehicle that tows your trailer instead. You can typically purchase vacation liability coverage for your travel trailer, in case you're liable for property damage or injuries to others while your trailer is parked at a campsite.

How is RV insurance priced?

Several factors can impact the cost of RV insurance, including vehicle type, usage, coverage selection, location, driving experience, and claims history.