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What is Recreational Vehicle Insurance?
Protect What You Love
Recreational vehicle insurance covers many types of vehicles including travel trailers, motorhomes, and ATVs. Multi-policy discounts may be available if you have more than one vehicle insured with the same company.
Required in Some States
Some states require insurance for certain types of recreational vehicles. Each state's laws vary, which is why it can be helpful to have a licensed insurance agent help you shop for a policy.
Customize Your Coverage
InsureOnline.com can also offer you price ranges dependent on your situation and match you to the carrier that can give you what you need.
What Does Recreational Vehicle Insurance Cover?
For that random unexpected encounter on the road.
Collision
Comprehensive
Bodily Injury Liability
Property Damage Liability
Medical Payments
Uninsured Motorist
Underinsured Motorist
Optional Insurance Coverage
Our licensed insurance agents will go through all the details to make sure coverage is customized to your needs. You can add more coverages to your policy to increase your protection. Some optional coverages may include:
- Vacation Liability
- Roadside Assistance
- Towing and Labor
- Safety Glass Replacement
- Replacement Cost and Scheduled Personal Effects
Factors That Can Potentially Impact Your Rate
Location
Where your RV is will impact premiums. Insurance companies consider the location. Highly populated areas may be considered risker to insure and lead to higher premiums.
RV Type and Age
The type of RV and vehicle age will impact rates. Older RVs may see lower premiums while newer ones may see higher rates.
Recurrence
How often you use your RV will impact rate. Frequently driving the vehicle may increase rates while a rarely used vehicle may have a lower rate.
Credit History
The driver's credit will influence rates. Those with higher credit scores may pay less than those with lower credit scores.
Driving Record
Drivers with good driving records are often viewed favorably by insurance companies because they're seen as less risky to insure.
Coverage Options on Policies
The amount of coverage you elect will impact the premium price.
Claims History
Those with little to no prior insurance claims may have lower rates compared to those with previous claims.
Age and Gender
Age and gender can impact rates. Younger drivers and men may pay more than older drivers and women.
New to Recreational Vehicle Insurance?
Here is What to Expect
Do I Need RV
Insurance?
Insurance?
It depends. Some states have laws that require minimums on certain vehicles. It's best to check in with a professional to see if you're legally required to carry insurance on your recreational vehicle.
Even if you're not mandated by law, it is still great coverage to carry in case the unexpected happens.
Discounts and
Savings
Savings
Here are some of the many discounts that are available:
- New owner
- Good driver
- Claim free
- Paperless
- Non-smoker
- Anti-theft devices
- and more
Motorhome vs Travel Trailer Insurance
Motorhomes have a built-in engine while travel trailers require another vehicle to tow them.
Travel trailers are generally cheaper to insure than motorhomes.
Our licensed insurance agents will discuss available options and discounts during your recreational vehicle quote.
Recreational Vehicle Insurance FAQ
What are common RV problems?
RVs are a big responsibility and need to be maintained so they operate well.
Here are some ways to maintain your RV:
- Inspect your tires regularly
- Check your batteries for cleanliness and full charge
- Replace sealant around windows
- Use an equalize system as part of your towing equipment
- Inspect your sidewalls for cracking
- Keep your back dump valve closed to prevent liquids from draining out
- Use RV/marine toilet paper
- Protect your vehicle from colder weather
- Have a water pressure regulator hooked up on your water intake hose
How much can I expect to pay for RV insurance?
Premiums range a lot depending on the type of vehicle, elected coverage, and many other factors. Give us all and we can help you shop around for a budget-friendly plan.
Does a travel trailer need insurance?
It depends. Sometimes a personal auto insurance policy will extend coverage on a travel trailer. Check the details of your current plan for specifics. If it does not, RV insurance is good protection to have.
Is RV insurance available near me?
We can help those in Illinois, Indiana, and Texas find RV insurance! More states will be available in the future.
Protecting Customers Since 1980
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If I could give more stars Maria most definitely deserves them. I had an issue with my plate sticker and needed to get insurance. She was so friendly, patient, and helpful she gave me options that I didn't know I had and it was just what I needed. She guided me through everything and gave me all her attention...
Jennifer F.
Nick was very thorough, friendly and answered any questions that I had pertaining to my insurance policy. Customer service was A1. Thank you Nick.
Candace B.
I spoke with Crystal Thomas today and I was very very pleased with the service she provided. She needs a raise at this point. Loved the experience and went above and beyond to help with further questions that had nothing to do with the point of the call.
Jerri B.
The service was top tier. Nick was very helpful and informative. Wish everyone had great customers service like he did. Thank you again 😊
Maria T.
