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Home > Browse the GEICO Insurance Information Center > Insurance Options For Your Coverage Needs
RV & Travel Trailer Insurance Coverage Options
RV Insurance Coverage With GEICO, Because Home Is Where You Park It
RVers encounter situations that are unique to life on the road. So with that in mind, GEICO offers an enhanced Motorized RV and Towable RV insurance policy in most states.* These enhanced recreational vehicle insurance coverages include:
Total Loss Replacement – provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price. After the seventh model year, the settlement is on an actual cash value basis. (Coverage availability may vary by state and vehicle value.)
Replacement Cost Personal Effects – pays for the replacement of your personal items in your RV that resulted from a covered loss. $1,000 or $5,000 of Replacement Cost Personal Effects coverage is automatically included at no additional cost with Comprehensive and Collision coverage depending upon the state in which the RV is rated. Additional limits of coverage are available up to $100,000 for additional premium.
Vacation Liability – pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
Emergency Expense Coverage – pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
Special Windshield Deductible – charges nothing for RV windshield repair, and $50 for RV windshield replacement.
Medical Payments Coverage for RVs – there are 2 types of medical payments coverage that can apply to RVs. The types available depend on the type of RV you are insuring.
- A campsite or parking site rented or owned by the customer
- Vacant property rented or owned by the customer
- A radius of 25 feet around the vehicle when parked off public roads and legally on public or private property
- Medical Payments Coverage – pays the cost of necessary medical treatment caused in an RV accident, regardless of fault. This coverage would apply to motor homes but not travel trailers.
GEICO covers motorized recreational vehicles including Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes), as well as sport utility recreational vehicles.
Travel Trailer Insurance
GEICO provides insurance coverage for towable RVs and travel trailers, including:
- Conventional travel trailers
- fifth-wheel travel trailers
- travel trailers with expandable ends
- folding camper trailers and truck campers
GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .
Steer clear of bumps in the road with RV insurance from GEICO! Call 877-GEICO-RV (434-2678) to speak to one of our RV insurance specialists, Mon-Sun from 8:00 AM - 11:00 PM (ET), or request a quote online .
*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also chat for immediate help.
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Coverage for the open road
What you need to know about rv insurance, coverage & policies, get rv insurance today.
By clicking "get a quote" you will leave Allstate.com and be directed to the National General (an Allstate company) website*
How to compare RV insurance quotes
Choose your coverage, consider your limits, select your deductibles, travel trailer and motorhome insurance that's customized for you.
RV insurance typically covers the following types of homes-on-wheels:
- Towable RVs
RVs that don’t have their own engine must be towed when moving locations. These include folding camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers, horse trailers with sleeping quarters and travel trailers with expendable ends.
- Motorized RVs
Often called motorhomes, these self-reliant RVs do not need to be towed, are built on automotive frames and can sleep up to eight people.
Do you need insurance for your RV?
You're required to have insurance for your motorhome. Minimum liability requirements vary from state to state, with many states requiring you to have extra coverage for protection against uninsured or underinsured drivers.
Is insurance required for a travel trailer?
Generally, insurance is not required on trailers since liability coverage is typically extended to the trailer when attached to the vehicle towing it.
Tour your available RV insurance discounts
Save your money for your traveling on RV insurance with Allstate. Enjoy discounts based on how you pay your bill if you own a home and more.
see RV discounts
RV insurance FAQs
How much does rv insurance typically cost, do i need insurance on my rv if it isn’t being driven.
Check your state’s insurance laws before removing liability coverage on your RV. While some states allow storage without any coverage, others require the owner to turn in the RV’s plates if liability coverage is removed.
If there is a loan on your RV, check with your lender before removing collision coverage.
You may want to consider holding onto your comprehensive coverage year-round, even when your RV is not in use. It can help cover fire, theft, and other non-collision damages while your RV is in storage.
If I have a loan on my RV, can I remove coverage?
You should check with your lender to make sure you maintain the required coverage on your RV.
Is roof damage or a roof leak covered?
It depends. If you have comprehensive coverage on the RV and the roof is damaged by a covered peril, like a tree falling on the roof, there is coverage. But there is no coverage for general wear and tear or lack of maintenance. Depending on the state, we offer optional Roof and Pest coverages that provide additional protection.
What’s the difference between motorhome and travel trailer insurance?
Stories & tips for everyday life
- Motorhome rental and insurance
- What is motorhome insurance?
- Protecting motorhome from theft
- Motorhome comprehensive coverage
RV insurance for the open road
Members save 5% on coverage for most RVs through our alliance with Progressive. See note 1
What's RV insurance?
RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.
If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.
Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.
Insurance for travel trailers
If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.
If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.
Ways to cover your motorhome
RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.
Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.
Insuring a pop-up camper
On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.
Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.
Coverage for slide-on campers
We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.
Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.
Insurance for fifth-wheel trailers
You can get comprehensive, collision, roadside assistance and vacation liability coverage.
If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.
Why get a policy through the USAA Insurance Agency?
Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.
We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .
How much is RV insurance?
You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes. See note 2
How to save on your premium
USAA members get a 5% discount on coverage for most RVs. See note 1 Here are some other ways to lower your cost. See note 3
Responsible Driver Discount
If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.
Paid In Full Discount
In some states, you can get a discount when you pay your 12-month premium all at once.
EFT Discount
Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.
RV insurance FAQ
Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.
Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.
Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.
Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.
It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.
Your auto insurance usually won't pay to repair or replace your RV.
It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.
It usually won't cover:
- RVs with more than four wheels.
- Drivers not listed on your policy.
- Rentals longer than 30 days.
- The full value of the RV.
- Certain damage to the RV while it's parked.
Explore new places with RV insurance.
Have more questions.
Use our alliance with Progressive to help you get the coverage that fits your needs.
Call Progressive.
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