RV insurance combines auto and homeowners protections, with liability coverage required by most states for motorhomes. Key coverage types include comprehensive (weather, theft, vandalism), collision (accidents), contents protection for personal belongings, and specialized options like full-timer coverage for RV residents. Coverage needs vary by RV class (A, B, C motorhomes vs. towables) and usage (weekend trips vs. full-time living vs. rentals). Most policies include roadside assistance, uninsured motorist protection, and medical payments coverage regardless of fault.
The type of RV insurance you need depends on your rig's class, how you use it, and whether you drive or tow it.
RV insurance isn't just auto coverage; it's a hybrid that protects both your vehicle and your mobile lifestyle. Think of it as auto insurance meets homeowners protection, designed specifically for life on the road.
With over 11.2 million households now owning RVs according to the RV Industry Association, understanding the right coverage has never been more important. Don't worry, we've all been there—staring at insurance options, wondering what actually matters for your adventures. Let's break this down without the jargon so you can hit the road with real peace of mind.
Almost every state mandates minimum liability coverage for motorized RVs, but these minimums are often too low to protect against significant accident costs; higher limits are strongly recommended for valuable RVs and assets.
Liability coverage pays for damage and injuries you cause to others, with most states requiring minimum limits that may not adequately protect your assets.
If your RV is in an accident and it's your fault, liability coverage helps with damage and medical bills for the other party. But here's what that really means for your wallet and your peace of mind.
Almost every state mandates liability coverage for motorized RVs, according to the National Association of Insurance Commissioners (NAIC), which oversees insurance regulation across all 50 states.
Covers medical bills, lost wages, and legal costs if you injure someone in an accident. The minimums most states require? Often, nowhere near enough if you're dealing with serious injuries.
Pays for repairs when you damage someone else's property—their car, a fence, even another RV. With today's repair costs, those state minimums can disappear fast.
Comprehensive covers non-collision damage (weather, theft, vandalism) while collision handles accidents, and you can add comprehensive without collision, but not vice versa.
Here's where things get interesting. These coverages protect your RV itself, not just the other guy's stuff.
This is your shield against everything that's not a collision:
Straightforward—if you hit something or something hits you:
Real talk: If you're financing or leasing your RV, your lender typically requires both comprehensive and collision coverage. They want their investment protected, and honestly, so should you.
Full-timer RV insurance provides homeowner-style protections (including personal liability, emergency expenses, and loss assessment coverage), specifically designed for RV residents living in their vehicle for 6+ months per year.
If your RV is your home, your insurance should act like it. Full-timer coverage fills the gaps that regular RV policies leave open.
If you're considering the full-time RV lifestyle, our comprehensive full-time RV insurance guide breaks down everything you need to know about protecting your home on wheels.
Coverage requirements scale with your RV's size, value, and complexity, with Class A motorhomes needing the most comprehensive protection and towables requiring specialized considerations.
Not all RVs are created equal, so insurance policies shouldn't be either.
These are the luxury liners of the RV world—and they need coverage to match:
Smaller rig, different risks:
The middle ground that most people picture when they think "RV":
These have a unique insurance setup:
For a detailed breakdown of what's required and what's optional, check out our travel trailer insurance requirements guide.
Smart RV owners add roadside assistance, uninsured motorist protection, and contents coverage to handle the unique risks of mobile living.
These aren't just nice-to-haves—they're your backup plan when things go sideways.
Like auto insurance roadside help, but built for RVs:
This one's super handy, especially for expensive RVs. If someone hits you and they don't have enough insurance (or any), this coverage steps in. RV repairs aren't cheap, and you don't want to eat those costs.
Covers immediate medical expenses for you and passengers regardless of fault. Think of it as first-aid coverage that kicks in right away, before health insurance starts processing claims.
Your personal belongings need protection, too:
Most traditional insurers exclude rental coverage, but specialized policies like Roamly's allow peer-to-peer rentals through platforms like Outdoorsy without voiding protection.
Here's where many RV owners make mistakes. You hand over your keys to earn some extra cash, but standard policies often exclude coverage when you rent out your rig.
If you're thinking about Outdoorsy or direct rentals, make sure your policy specifically allows this, or switch to one that does. Roamly offers insurance that lets you rent out your RV through sites like Outdoorsy without losing coverage.
The last thing you want is to discover your policy doesn't cover rental activities after something goes wrong. With the right coverage, you can turn your RV into a profitable business while remaining protected.
Whether you're chasing sunsets on weekend getaways or living full-time on the road, the right insurance helps protect every mile of your journey. And now that you know your coverage options, you’re one step closer to hitting the road with confidence.
From basic liability to full-timer protection, RV insurance isn’t one-size-fits-all, and it shouldn’t be. Tailoring a policy that fits your rig, your lifestyle, and your adventures makes all the difference when the unexpected happens.
Get a free quote with Roamly today and customize a policy built for RV owners, by folks who actually get what life on the road looks like.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.