Everything You Need to Know About RV Insurance Near Me

Are you planning to go on a road trip with your RV and looking for insurance near your location? With so many different types of insurance policies available, choosing the right one can be a daunting task. In this article, we will discuss everything you need to know about RV insurance near me to help you make an informed decision.

What is RV Insurance?

RV insurance is a type of policy that covers your recreational vehicle from damages or accidents caused by various factors, such as collisions, theft, natural disasters, and more. It also provides coverage for injuries and damages to other people or their properties in case of an accident.

It’s important to note that RV insurance is not the same as auto insurance. Although both types of insurance cover damages caused by accidents, RV insurance is specifically designed to cater to the unique needs of recreational vehicle owners.

Types of RVs Covered by RV Insurance

RV insurance policies generally cover different types of recreational vehicles, including:

Type of RV
Class A Motorhomes
This type of RV is the largest and most luxurious, often resembling a bus or a coach. Examples include Winnebago and Fleetwood.
Class B Motorhomes
Also known as camper vans, Class B motorhomes are smaller and more compact than Class A motorhomes. Examples include Westfalia and Roadtrek.
Class C Motorhomes
Class C motorhomes are built on a van or a truck chassis with an attached cab-over bunk. They are smaller than Class A motorhomes but bigger than Class B motorhomes. Examples include Thor and Coachmen.
Travel Trailers
Travel trailers are towable RVs that come in different sizes and shapes. Examples include Airstream and Shasta.
Fifth-Wheel Trailers
Fifth-wheel trailers are similar to travel trailers but are attached to a pickup truck using a special hitch. Examples include Forest River and Keystone.
Toy Haulers
Toy haulers are travel trailers or fifth-wheel trailers with a built-in garage to store ATVs, motorcycles, or other recreational vehicles. Examples include Eclipse and Heartland.

Factors That Affect RV Insurance Rates

The cost of RV insurance varies depending on several factors, including:

RV Type
As we discussed earlier, the type of RV you own plays a significant role in determining your insurance rates.
The more you use your RV, the higher the risk of accidents or damages. As a result, insurers may charge higher rates for full-time RVers than occasional users.
Driving Record
Insurers may check your driving record and charge higher rates if you have a history of accidents or traffic violations.
Where you park or store your RV can also affect your insurance rates. If you live in an area prone to natural disasters or theft, you may pay more for insurance.
The deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible may lower your insurance rates but may also mean more out-of-pocket expenses in case of a claim.

RV Insurance Coverage Options

RV insurance policies usually offer several types of coverage options, including:

Liability Insurance

Liability insurance covers injuries or damages you may cause to other people or their properties while operating your RV. This type of insurance is mandatory in most states and is usually offered with a minimum coverage limit.

Collision Insurance

Collision insurance covers damages to your RV caused by collisions with other vehicles or objects, such as trees or poles. This coverage may be subject to a deductible.

Comprehensive Insurance

Comprehensive insurance covers damages to your RV caused by non-collision events, such as theft, fire, floods, or storms. This coverage may also be subject to a deductible.

Personal Injury Protection (PIP)

PIP covers medical expenses for you and your passengers in case of an accident, regardless of who’s at fault.

Uninsured/Underinsured Motorist Coverage

This coverage protects you in case you’re involved in an accident with someone who has no or insufficient insurance to cover your damages or injuries.

How to Find RV Insurance Near Me?

There are several ways to find RV insurance near your location:

Check with Your Auto Insurer

If you already have auto insurance, check with your insurer if they also offer RV insurance. Many insurers offer bundle discounts for customers who insure multiple vehicles with them.

Shop Around

RV insurance rates vary by insurer and location. Shopping around and comparing quotes from different insurers can help you find the best coverage and rates for your needs.

Use Online Comparison Tools

Several online tools allow you to compare RV insurance quotes from multiple insurers in your area, such as RVInsurance.com and RVInsurance.org.


Do I Need RV Insurance?

Yes, RV insurance is mandatory in most states, just like auto insurance. Even if your state doesn’t require it, it’s always a wise decision to protect your investment and avoid financial losses in case of an accident or theft.

What Does RV Insurance Cover?

RV insurance covers your recreational vehicle from damages or losses caused by various factors, such as collisions, theft, natural disasters, and more. It also provides liability coverage for injuries or damages you may cause to other people or their properties while operating your RV.

How Much Does RV Insurance Cost?

The cost of RV insurance varies depending on several factors, including the type of RV you own, your usage, driving record, location, and deductibles. On average, RV insurance can cost anywhere from $800 to $2,000 per year.

Can I Cancel My RV Insurance Policy?

Yes, you can cancel your RV insurance policy at any time by contacting your insurer. However, canceling your policy before its expiration date may result in a penalty or a loss of premiums.

Does RV Insurance Cover Full-Time RVers?

Yes, many insurance companies offer specific policies for full-time RVers, which provide comprehensive coverage for their unique needs and lifestyle.


RV insurance is an essential investment for any recreational vehicle owner. It protects your RV, your passengers, and other people or properties on the road. By understanding the different types of coverage options, factors that affect your rates, and how to find RV insurance near me, you can make an informed decision and enjoy worry-free road trips.