travel trailer insurance liberty mutual

Liberty Mutual RV Insurance Review: Is This The Right Service For You?

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While we normally review the latest RVs or the best accessories to get for your motorhome, in our Liberty Mutual RV insurance review we’re going to look at something a little bit different.

Hitting the open road and going on wonderful adventures with your RV is a great way to explore the country but what happens when something goes wrong?

You no doubt have home insurance to cover unforeseen circumstances in the future so does it not make sense to insure your RV as well?

We’re going to look at whether you actually need RV insurance, the types of insurance available and also review Liberty Mutual RV insurance to find out if it is a worthwhile policy and provider to choose.

Do you need RV insurance?

This can be a bit of a complicated subject because not every RV necessarily needs to be insured even though it is highly recommended that you do take out insurance.

In some cases your automobile insurance will extend to your RV however let’s look at some cases when you definitely need RV insurance.

You have a motorhome

Class A motorhomes and Class B camper vans need to have their own insurance. This is because they are one vehicle as opposed to being a truck camper that you tow. They require their own insurance so you’ll definitely need a separate policy from your standard auto insurance.

You have finance on your RV

If you don’t own your RV outright and you are paying it off via finance then you’ll also need to have a dedicated RV insurance policy. The lender requires that these RVs are insured because you don’t own it outright and they need to protect their investment.

It is a rental

if you are just renting an RV then you will probably need to have insurance too. Your auto insurance might extend to rental RVs so it is also a good idea to check your policy.

Types of RV insurance coverage

There are many different parts to an RV insurance policy and if you aren’t sure about some of the terms and what we mean, we’ve broken them down for you.

Full replacement cost

In the unfortunate event that your motorhome is stolen or damaged beyond repair, a full replacement cost option will ensure that you get back what you actually paid for the RV. This shouldn’t be the depreciated value but rather the full amount you initially paid.

Emergency expenses

This coverage option will help you claim for emergency expenses such as a hotel stay or a rental car if you have an accident in your RV and are unable to stay in it or drive it anywhere. There is often a minimum distance from your home that you need to be for this to apply.

Personal items

This part of your RV insurance policy will cover any personal effects that you have inside the RV if they become damaged or stolen.

• Roadside assistance

If your RV breaks down and doesn’t have a separate roadside policy you can have this added onto your RV insurance. It will provide roadside assistance in the event of a breakdown and it usually has a minimum number of miles you need to be from your home.

Personal Injury

If you have an accident in your RV or motorhome, this part of your policy will cover things such as medical bills, a loss of wages if you can’t work for a while as well as some other damages.

Personal Liability

This will cover the expenses if you are at fault for an accident while you are driving your RV or motorhome. This can include costs associated with an injury to the other person or their property.

Things to consider with RV insurance

Your mileage allowance.

Similar to when you insure a vehicle, you’ll be asked how many miles you do on your motorhome over the year that the policy will be active. It is important that you are as accurate as possible with this as underestimating wildly can end up invalidating any claim you make.

Motorhomes and RVs might not be used as often as the main vehicle that you use to commute to work however if you are traveling across the country you’ll likely rack up a lot of miles. Consider the distances you do care so you can put an accurate amount down when getting an insurance quote.

Adding on Roadside assistance

Sometimes this is included on your motorhome insurance policy as standard however in many cases you need to purchase an addon. It is something that is worthwhile getting if you don’t already have any roadside assistance policies from another provider which will cover your motorhome.

Breaking down in the middle of nowhere or even on the side of a busy highway isn’t ideal and it can be very expensive to get a motorhome towed if you don’t have a policy in place. In fact, it can cost up to three times as much as towing an ordinary car.

Does your policy cover storage?

It is all well and good having your RV covered by an insurance claim while you are out on the road and at a campsite but what about when it is in storage and not being used? You would think that your insurance policy would extend to your motorhome while in storage but it isn’t always the case.

Make sure and check the policy that you are taking out to ensure that it does cover your RV while it is in storage. You don’t want anything to happen to it while it is stored away only to find out that this isn’t part of your policy.

Camping clubs can sometimes get you discount

As motorhome insurance is a specialized service, sometimes the insurance companies link with camping clubs and other organizations to offer discounts to members. This can be particularly useful in the case of an RV as there are many clubs for RV owners out there.

It is a good idea to do some research to see if you can join any camping clubs and also if they have any agreements with insurance providers to offer discounts to members and other benefits as well.

Liberty Mutual RV Insurance

Let’s get into the whole point of this review – to look at RV insurance from Liberty Mutual.

In case you have never heard of Liberty Mutual before they are the third largest insurer in the USA and a Fortune 100 company. They were originally founded (under a different name) away back in 1912 so they have been around for a long, long time and they offer a wide range of different insurance products from vehicle insurance, home insurance, workers compensation and motorhome insurance.

I’m going to look at their tiers of RV insurance and also what they are like to deal with.

It is recommended that you contact Liberty Mutual to get an accurate quote for your motorhome and also note that their insurance may not be available in your state.

Different types of RV insurance from Liberty Mutual

The best way to know exactly what you are getting from your insurance quote from Liberty Mutual is to get in contact with them however they generally have three tiers for their motorhome insurance.

Peace of Mind

This is their top tier insurance cover for motorhomes and RVs. It includes up to $1 million in liability insurance (if you are at cause for an accident or any damage to your RV), $500,000 in physical damage protection and it includes some handy extras as well such as:

• Concierge services
• Windshield damage protection

You will also get access to their 24/7 customer support (I’m going to have a look at that a bit more in-depth below) in addition to lowered deductibles.

Essentially this is the best insurance tier you can get for your RV from Liberty Mutual. Although it will cost the most, it covers pretty much everything you need for your motorhome – hence the name!

A tier down from the peace of mind insurance is their essential plan which basically covers the essentials of what most people need from their RV insurance.

This includes a minimum amount of liability insurance depending on what state you live in (as some states have lower or high minimum amounts) and $100,000 in physical damage protection. You do get some extras with this policy as well such as:

• 24/7 customer support

It is a significant step down from their highest tier but that also means it’ll be cheaper as a result although you’ll need to weigh up if paying the extra money for a better policy is worth it.

As the name suggests, this is the lowest amount of RV insurance that you can get from Liberty Mutual and that means the policy is going to cost the least as well.

You don’t get a whole lot of cover with this policy tier. Basically you are covered for the state minimum for liability insurance and $15,000 in physical damage which isn’t a lot even if you only have a small or an old motorhome. You’ll also get their 24/7 customer support line as well the same with every policy from Liberty Mutual.

Even though this policy is available and isn’t going to cost a lot of money, you are taking a risk as it really doesn’t cover very much however it will give you some level of protection if you are on a very tight budget.

Customer Support

Hopefully, you never need to actually contact Liberty Mutual for your insurance policy beyond actually getting a quote and taking your policy out. However, if you do need to get in contact with them to make a claim it is good to know what their customer support is actually like.

To get an insurance quote for your RV you can contact a local Liberty Mutual office and speak to an agent there or they have a 1-800 number as well. This 1-800 is also used for any customer support queries relating to your claim and I’ve found that they answer quickly and I’ve never really had any issues getting answers to any questions that I have.

When you sign up to a Liberty Mutual RV insurance policy you also get a customer login so you can access everything you need on their website via your portal.

They have a dedicated line for roadside assistance as well so you can get in touch with someone quickly if you need to have your motorhome towed or fixed by the road.

Overall I would say their customer support is very accessible and you should be able to contact someone if you need without any problems.

Pros and Cons

Pros of liberty mutual rv insurance.

• Offer specialized RV insurance in case of accidents or damage
• Have different tiers of RV insurance depending on your budget
• Provide roadside assistance and other handy extras
• Customer support is very good and accessible

Cons of Liberty Mutual RV Insurance

• Isn’t available in all states so make sure to check this first
• Canceling your policy if you find another renewal quote isn’t always easy

Alternatives to Liberty Mutual RV Insurance

Good sam rv insurance.

Good Sam Insurance is one of the most well known providers for RV cover. They offer all the usual coverage options such as collision, personal liability and personal injury protection while they also provide other protections like full replacement cost coverage and emergency expenses.

Their Storage Policy is handy as it means you can suspend parts of your RV insurance when your motorhome isn’t in use. They have a pretty comprehensive roadside assistance coverage too which is a very affordable policy if your RV breaks down.

National General

National General is another good alternative to Liberrty Mutual and they provide specialised RV insurance which will keep you covered against the unknown. This includes cover for accidents, personal belongings damage, general liability and you can also turn some parts of your policy off when your motorhome is in storage.

They provide coverage if you are taking your RV to Mexico and their full replacement cost coverage is a great addon to have as well.

Do I need to take out RV insurance?

It depends on your vehicle. If it is a Class A or B motorhome (basically one that isn’t towed on your existing vehicle) then you will need insurance or if you have the RV on finance or it is a rental. It is always a good idea to have insurance to cover what your auto insurance might not extend to.

Can I get Liberty Mutual RV insurance in my state?

The Motorhome and RV insurance provider by Liberty Mutual is available in many states but not all of them so it is a good idea to check first to ensure that you can take out a policy. Some states will also not let you claim for certain parts of your policy – first claim forgiveness policy for example.

What level of insurance do I need for my RV?

Liberty Mutual – like many motorhome insurers – offer different levels of insurance. What one you choose depends on the cover you need and your budget however keep in mind that the more insurance you have the better equipped you will be to deal with accidents, breakdowns or damages.

Do all RV insurance policies cover storage?

No. While motorhome insurance will insure your RV when it is on the road or at a campsite it might not cover it if it is in storage and not in use. Make sure you check this with your insurance provider.

Do I really need to pay for roadside assistance?

Sometimes this is included in your policy as standard but it is always a good idea to take it out because towing an RV can cost up to three times as much as a normal vehicle.

Conclusion – Liberty Mutual offer competitive RV insurance at different tiers

It is important that you have your motorhome insured as this is required by law (depending on the RV type you have) and it also means you are covered for any accidents, damages and possibly breakdowns too.

Liberty Mutual is one of the biggest insurance providers in America and they offer several tiers of RV insurance.

You need to contact them for a direct quote but they offer competitive prices and their tiered structure is good so you can get a level of cover which suits you.

We’d always recommend taking out more insurance than you think you need so you are covered for whatever comes your way and make sure you have roadside assistance as well. I’ve always found their customer support easy to deal with and it isn’t hard to get in contact with them.

Overall Liberty Mutual are a very good insurer for your RV and their policies are ideal for covering your motorhome and its contents against damage.

You might also be interested:

Farmers rv insurance review: all you need to know, progressive rv insurance review: pros and cons, state farm rv insurance review: is it worth it, allstate rv insurance review: is it any good.

• Coach-Net vs Good Sam for RVers: Roadside Assistance Compared

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About Latest Posts Jodie ChiffeyTravel Lover at RV PioneersJodie Chiffey enjoys the outdoors. She goes mountain biking and loves spending time in nature and what better way to get there than to go in an RV? She shares her information here on RV Pioneers. Latest posts by Jodie Chiffey (see all) Airstream vs Oliver Comparison:…

An RV is a big purchase, and much like your home or your car, you’re going to want to insure it. Fortunately, there’s no shortage of options out there.

However, just because your RV might seem like a home on wheels, an insurance policy for homes won’t do the trick, and neither will one intended for a motor vehicle. You need the best of both worlds to get the job done.

It’s a unique offering that not everyone provides.

You can opt for your current homeowners or auto insurance provider if you want some multiple policy discounts, or you can choose a company that specializes in RV insurance to get some additional benefits you won’t find anywhere else.

Since my family lives in our RV full-time, I’ve done a lot of research into these options and for us, it made the most sense to stick with our current provider, Farmers.

While it may not be the best option for you, I’ve never had anything but good luck with my Farmers agent, for several reasons, so I thought this

RV insurance is a critical component of RV ownership, whether you travel frequently or only a few times every year. All insurance companies offer different coverage options, and some even go through third parties to provide everything you need because they can’t underwrite the policies in-house.

Progressive offers RV insurance policies at a reasonable price, but you may find some of the other aspects of their service a bit lacking. If you already have Progressive auto insurance, it may be worth it for the multiple vehicle discounts. Otherwise, think hard about whether you want these insurance policies for your RV.

Coverage and Benefits

Progressive offers a couple of different insurance plans, but because they tailor their plans for auto coverage, you’ll find more of w

Gather any group of RVers, whether in an online forum or around a campfire in a campground, and often the conversation will turn to RV insurance. Why? Because an RV is an investment and having the right insurance is important – and complicated. Why is RV insurance so confusing?

One reason for the confusion is that there are so many individual factors that affect the type of coverage you need for your RV. Is your rig drivable or towable? What level of coverage is required by your state or residence? How often do you use it and where do you prefer to park it? Do you own your RV outright or are you still making payments? Answering these questions is just the beginning of determining what type of insurance you need.

The next decision is which insurance company can best meet your RV insurance needs. Most companies that provide auto insurance will also have RV coverage options.

Geico RV Insurance Review and Guide

“Allstate. Your in Good Hands ®”

Hitting the open road with an RV gives you the freedom to travel in comfort. They can provide power and water, off the ground shelter, multiple storage spaces, beds, living quarters, air conditioning, room to accommodate a small group of friends and family, to full bathrooms and island kitchens!

Like your automobile, RV’s also require a certain amount of Insurance coverage in case the inevitable happens.

Allstate is an Insurance Company that is on the New York Stock Exchange [NYSE: ALL]. They were founded in 1931 and their headquarters are located in Northfield Township, Illinois, and provide coverage on three continents.

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6 Best RV Insurance Companies of 2024

Table of Contents

• Best RV Insurance
• Things to Consider When Buying
• How We Chose

RV insurance policies are designed to provide protection for various types of events, including when your vehicle causes damage or injuries to others and when your vehicle incurs damage or loss.

Like other types of vehicle insurance, there are different levels of coverage available. This includes full-time RV insurance for those who live in an RV as their permanent residence and part-time insurance for RV owners who use the vehicle on a part-time or occasional basis.

No matter how often you use your vehicle, nearly every state requires liability coverage of some sort when you operate an RV. Additional coverage available for RVs includes collision insurance , which addresses the cost of repairs in the event of an accident involving another vehicle and comprehensive coverage , which is designed to cover such incidents as vandalism and theft, among other things. There are also many different types of add-ons and discounts available when selecting RV insurance.

Below we identify the best RV insurance providers, based on extensive research and taking into consideration such factors as policy offerings, extras, information availability and transparency on company websites, and more.

• Best Overall: Progressive »
• Best for Full-Time RVers: Good Sam Insurance Agency »
• Best for Part-Time RVers: National General »
• Best for Diversity of Coverage Options: Allstate »
• Best for Policy Discounts: Nationwide »
• Best Customer Service: Geico »

Best Overall:  Progressive

Insures all types of motorhomes

Extensive variety of discounts available

Offers full-time RV coverage

Total loss replacement not available in all states

Progressive is our top choice for RV insurance based on analysis of its offerings and the competition. Progressive insures a wide range of RVs including Class A, Class B, and Class C motorhomes. It also ensures conventional trailers and fifth-wheel trailers. Not all insurers offer coverage for such a diverse range of RVs.

Progressive also makes it very easy to identify any discounts that may be available. When requesting a policy quote, the Progressive platform shows users multiple ways to save on policy costs. There’s also a significant number of discounts offered, including original owner, multi-policy, pay in full, responsible driver, prompt payment, claim-free renewal, homeowners, continuous coverage, and paperless discounts. Disappearing deductibles, which represent another option, are also offered by Progressive. As part of this discount, for every claim-free period on your policy, Progressive says it will subtract 25%and will keep doing so until you reach $0.

Progressive’s policy options include coverage for those who use their RV full-time or as a residence. Policies for these customers provide coverage similar to homeowner’s insurance, including personal liability and loss assessment. Another feature we liked, in contrast to some other RV insurance providers, Progressive’s website is detailed and very informative, making it easy to learn about the various policies available, as well as add-ons, and discounts.

One significant drawback for some: Progressive does not offer total loss replacement in all states. If you own a newer RV or a particularly expensive RV, not being able to access total loss coverage can be a dealbreaker. You will need to check with your Progressive agent or speak to an agent on the phone to determine what coverage is available in your state.

Coverage Types:

• Comprehensive and collision
• Uninsured/underinsured motorist
• Medical payments

Discounts and Benefits :

• Original owner
• Multi-policy
• Pay in full
• Responsible driver
• Prompt payment
• Claim-free renewal
• Continuous coverage
• Paperless 

Add-Ons and customization :

• Roadside assistance
• Total loss replacement
• Replacement cost/personal effects
• Vacation liability
• Full-timer’s liability
• Loss assessment
• Emergency expense coverage
• Pet injury coverage
• Roof protection plus
• Pest damage protection

AM Best financial strength rating :

• A+ (Superior)

Best for Full-Time RVers:  Good Sam Insurance Agency

Covers all types of RVs

Provides coverage in Mexico

Insurance agency, not a direct insurer

Poor customer reviews of roadside assistance

Not all RV insurance providers offer policies for full-timers, but Good Sam does. It also offers customizable coverage options designed specifically with full-time RVers in mind. For those who use their RV six months or more annually, the full-timer’s plan offers personal liability loss coverage beyond that tied to a vehicle accident. Additional options available for full-time RVers include medical payments to others, personal belongings coverage, and emergency expense allowance. And because Good Sam utilizes a network of specialty RV insurance carriers to provide coverage – unlike other firms in this article, Good Sam is an insurance agency, not an insurance company – most RVers should be able to find coverage for any lifestyles and budgets.

It’s also worth noting that Good Sam can connect you with insurers that offer coverage for travel in Mexico, which is not something all companies offer. Good Sam discounts include multi-vehicle, multi-policy, and paid-in-full. There’s also a storage discount that allows policyholders to suspend most coverage options during non-travel seasons when your RV is in storage. The company says this discount can save users an average of 53%off insurance premiums when not using your motorhome, fifth-wheel, or travel trailer.

There are some drawbacks to consider when considering Good Sam as well. Most importantly, it is not a direct insurer. It is an insurance agency. The coverage itself is provided by such companies as Progressive, Safeco, National General, and others. As a result, coverage options may vary. In addition, there have been some customer complaints lodged with the Better Business Bureau (BBB) about Good Sam’s roadside assistance, which reviewers say has failed to meet the expectations of policyholders.

• Comprehensive
• Uninsured and Underinsured Motorist Protections
• Personal Liability
• Property Damage Liability
• Bodily Injury Liability
• Personal Injury Protection
• Multi-vehicle discount
• Paid in full discount
• Multi-policy discount
• Storage option discount
• Full replacement cost coverage
• Full-time RVer coverage
• Personal effects coverage

Best for Part-Time RVers: National General

Ability to pause coverage when RV is not in use

Purchase price guarantee coverage

Website lacks detailed information about policies

Does not cover all RV types; only Class A, Class C and toterhomes

One of the most notable features of National General’s offerings is the ability to pause coverage when you’re not using your RV. This is a potentially valuable money-saving feature for those who do not intend to drive or live in their RV full-time. For months when your RV is in storage or not being used, the pause option suspends collision and liability coverage, which the company says saves policyholders as much as 53%on premium costs.

The purchase price protection add-on offered by National General is another feature worth considering, especially if you’re driving an expensive new RV. This coverage can be added to your policy within an RV's first 9 model years and it pays up to the original purchase price of an RV, in the event your vehicle is totaled and needs to be replaced.

Some customers may be frustrated by National General’s website, which isn’t as user-friendly as those of some competitors. The publicly available information about policy offerings is limited, making it difficult to get all your questions answered if you’re policy-shopping online. In addition, the company does not cover all RV types. It only covers Class A, Class C, and Toterhomes. But the only way to find this out is to go through the steps of obtaining a quote on the company’s website.

Also you need to be aware that coverages and discounts as well as features, benefits, and pay plans may vary by states. You will need to verify what is available for your state with an agent.

• Multi-vehicle discounts
• Diminishing deductibles
• Storage savings option
• Purchase price guarantee
• Emergency expense allowance
• Specialized equipment coverage

Best for Diversity of Coverage Options: Allstate

Long list of coverage options

Offers full-time RV insurance

• RV safety course discount

Fewer discounts listed then some other insurers

Website lacks specifics about policies

The RV coverage options available through Allstate are extensive. In addition to the basics, such as bodily injury liability, property damage liability, collision coverage, and comprehensive, Allstate offers such options as vacation liability, pet coverages, tow bar coverages, and emergency expense coverage. Allstate’s policy options also include full-timer’s liability coverage. This coverage is available to those who use an RV as a permanent residence for more than six months annually. Allstate also offers a policy discount to those who take an RV safety course, something that is not offered by all insurers.

Still, the discount options listed on the Allstate website are limited compared to the competition. Beyond the safety course discount, the potential price cuts include homeowner discount , married discount, pay in full discount, and paperless discount. Other companies offer a wider variety of ways to reduce policy costs.

Coverages and discounts may vary by state. Speak with an agent to see what is available for you.

• Bodily injury liability
• Property damage Liability
• Collision coverage
• Comprehensive 
• Medical payments coverage
• Uninsured and underinsured coverage
• Personal injury protection coverage
• Homeowner discount
• Married discount
• Pay in full discount
• Paperless discount
• Personal effective coverage
• Emergency expenses
• Full timers liability coverage
• Pet coverage
• Tow bar coverage

Best for Policy Discounts: Nationwide

Variety of discounts available

Towing coverage includes lodging and meals

Limited optional coverages

No online quote option

Nationwide offers a variety of discounts in association with its RV policies including multi-policy and multi-vehicle discounts, RV safety course, paid-in-full, good driver, prior insurance, and claims-free renewal. It also offers a discount for RV association membership, which is not offered by many competitors. Those who are members of an RV club, such as the National RV Association, may be eligible for a policy discount.

Nationwide offers comprehensive roadside assistance. Using its mobile app when roadside assistance is needed, you can track service in real time, get status updates on a driver’s arrival, and read Google reviews of area repair facilities. The emergency assistance program is available 24-hours a day and includes towing, jump start, gas delivery, flat tire changes, and winching. When you add the optional towing coverage to your policy, you’ll also get coverage for trip interruption expenses including lodging, transportation and meals.

Nationwide’s optional coverages, however, are limited compared to the competition. It offers less than a half dozen choices: roadside assistance, towing and labor, vacation liability, safety glass replacement, and replacement cost and scheduled personal effects. This can be challenging for RVers seeking coverage for such things as pets, or other unique needs. The company also does not provide the option to obtain a quick policy quote via its website. Instead, you must call and speak with an agent. The agent will be able to share what coverages are available in your state.

• Property damage liability 
• Uninsured motorist
• Underinsured motorist
• Multi-vehicle
• RV safety course
• RV association
• Paid in full
• Good driver
• Prior insurance
• Claims-free renewal
• Towing and labor
• Safety glass replacement
• Replacement cost and scheduled personal effects

Best for Customer Service:  Geico

Coverage for motorized and towable RVs

Widely available across U.S.

Enhanced RV coverage is not available in all states

RV policy discounts not listed on Geico website

Geico is well-known for its admirable customer service and this holds true for its RV insurance. Customer service representatives are available around the clock, 24 hours a day, seven days a week. Customer service can also be reached through the Geico app or online via live chat on the company’s website. The variety of ways to communicate is not something offered by all providers and can be especially reassuring in an emergency situation.

Geico also provides coverage for a variety of motorized and towable RVs. The motorized RVs covered include Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Their travel traveler insurance encompasses conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends and even folding camper trailers and truck campers. And unlike many other insurers, Geico also covers toy haulers used to transport motorcycles and ATVs.

There are some limitations to Geico’s coverage, however. For instance, it does not provide “enhanced”RV coverage in Hawaii, Massachusetts, Michigan, or North Carolina. There’s also no information made available on the Geico website about RV policy discounts that may be available, which can make it challenging to quickly obtain a full comparison of Geico policies and options against the competition.

• Defensive driver course completion
• Having a commercial drivers license
• Replacement cost personal effects
• Special windshield deductible
• A++ (Superior)

The Bottom Line

There’s a variety of RV insurance policy providers and options on the market, making it important to do your homework and understand the different choices and whether they suit your lifestyle, goals, and budget. If you’re a first-time RVer, be sure to ask a lot of questions so you know what you’re signing on for and what your policy will and won’t include. For sheer user-friendliness, Progressive can be a good place to start as its website provides a great deal of information up front.

Things to Consider When Buying RV Insurance

Coverage options: The coverage available for RVs varies widely. The standard coverages include comprehensive and collision, liability, uninsured/underinsured, and medical payments. Most states require liability coverage.

Policy exclusions: Most insurers have policy exclusions and items or incidents that they won’t cover. Some RV insurers, for instance, do not provide liability coverage for towable vehicles. It’s important to read the fine print and understand what is excluded before selecting a particular policy or insurance company.

Discounts and benefits: The best insurance companies offer a diverse range of discounts including multi-policy, multi-vehicle, safe driver, prior insurance, paid-in-full, and claims-free renewal. Some companies also offer more unique discounts such as RV association membership discounts.

How We Chose the Best RV Insurance

A number of expert sources were used to conduct this review. The selection was narrowed down with additional research, paying particular attention to policy add-ons, discounts, user-friendliness of websites and the transparency of available information. We also took the company’s AM Best financial strength rating into account, as well as consumer feedback from the Better Business Bureau (BBB).

Overall, we found that the best policy is one that combines a variety of coverage options, as well as a diversity of discounts and the ability to customize policies to meet your needs and RV usage styles.

WHY SHOULD YOU TRUST US?

Our contributors and editors have years of experience researching, testing, and reviewing products. Mia Taylor , the author of this piece, has nearly two decades of consumer news experience in insurance, personal finance, loans, debt, credit cards, real estate, and travel. She has worked for Fortune, Bankrate, Policygenius, TheStreet, Cheapism, Real Simple, Parents, Better Homes & Gardens

Progressive offers the most depth and breadth of coverage along with an easy-to-use website and an abundance of transparent information about its offerings. However, the best RV insurance will really vary based on your unique needs as an RVer, as well as your budget and coverage goals.

Full-time RVers will need a policy that’s specifically designed for their lifestyle. These policies are similar to home insurance policies and often include such features as personal liability and loss assessment coverage. Part-time RVs or occasional travelers will need less comprehensive coverage and may want to seek a policy that provides discounts for those times when the RV is in storage or not in use.

Some policies do cover belongings inside your RV, but you will typically need to add this type of coverage to a standard policy, which will increase your policy costs.

Some companies may provide rental reimbursement while an RV is being repaired. This would be an add-on feature, so be sure to ask about the availability of this option when shopping around.

Because trailers are not motorized, a separate policy is typically not required. In most cases, the liability insurance you have for the vehicle that’s towing the trailer will cover your trailer.

When renting out an RV that you own, you will need insurance that covers yourself during the rental period while other people are driving the vehicle. You will also need a separate insurance policy that allows you to rent your RV.

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• Car Insurance
• Car Insurance Companies

Best RV Insurance Companies

Nationwide is our top pick due to the ability to customize a policy at an affordable rate

Recreational vehicles (RVs) are enormously popular. According to the RV Industry Association, 11 million U.S. households own an RV, spending on average three to four weeks per year in their vehicle. However, an RV can be a significant investment. A new folding camp trailer can cost as much as $22,000, while a new Type A motor home can cost up to a staggering $500,000.

If you spend that much money on a camper, trailer, or motor home, RV insurance can provide you with essential protection against damage and theft. In most states, RV insurance is required by law, but you may want to purchase more than the state-mandated minimums to make sure you have adequate coverage for all of your valuables.

To help you select an insurer, we looked at 15 top RV insurance companies. We picked the seven best RV insurance companies based on their coverage options, available discounts, and industry reputations.

Best RV Insurance Companies of 2024

• Best Overall: Nationwide
• Best Insurance Bundles: Allstate
• Best Available Discounts: National General
• Best If Traveling to Mexico: Good Sam Insurance Agency
• Best for Full-Timers: Progressive
• Best for Weekend Warriors: Safeco
• Best Customer Service: The Hartford
• Our Top Picks

National General

• Good Sam Insurance Agency
• Progressive

The Hartford

• See More (4)

Final Verdict

• Compare Providers
• Guide to Choosing

Methodology

Best overall : nationwide.

• Key Benefit: Customizable coverage options
• Full-timer Coverage: Yes
• Types of Vehicles Covered: RVs, motor homes, campers, trailers

Nationwide is a well-known insurer that offers a wide range of insurance products. Its RV insurance coverage options include liability , collision , and comprehensive coverage, and it covers motor homes, travel trailers, and campers. With multiple policy options and a lengthy list of discounts, Nationwide is our pick for the best overall RV insurance company because it allows you to customize a policy at an affordable rate.

Customizable coverage options

Coverage for different RV classes

Several policy discounts available

No online quotes

Loss assessment fees not covered

No pet injury coverage

Nationwide sold its first insurance policy in 1926. Since then it’s become one of the largest insurance companies in the U.S. and a Fortune 100 company , ranking 76 on the current Fortune 500. It has an A+ financial strength rating from AM Best, the credit rating agency that specializes in the insurance industry.

Nationwide’s basic RV insurance covers:

• Bodily injury liability
• Property damage liability
• Comprehensive
• Uninsured motorist
• Underinsured motorist
• Medical payments

When you purchase a policy, you can add the following optional coverages:

• Roadside assistance
• Towing and labor
• Vacation liability
• Safety glass replacement
• Replacement cost and scheduled personal effects

Unfortunately, Nationwide does not have a loss assessment coverage option, which some insurers offer to cover fees or charges from RV associations in case of damage. It also doesn’t offer pet injury coverage if your dog or cat is injured in an accident. As many RV owners travel with their pets, that’s a significant drawback.

Nationwide does have a long list of discounts to reduce your premium costs, including multiple policy discounts, good driver discounts, and more. You cannot get an online quote. You must contact a Nationwide agent to get pricing information and to purchase a policy.

Best Insurance Bundles : Allstate

• Key Benefit: Discounts for bundling policies
• Types of Vehicles Covered: Towable RVs (campers, trailers, etc.) and motorized RVs (such as motor homes)

With Allstate you can qualify for multiple policy discounts when you bundle your insurance policies together. Allstate offers auto, homeowners, renters, motorcycle, and life insurance, so you can package your RV insurance with other coverage to save money.

Discounts for those who are 55 and retired

Rental reimbursement coverage available

Coverage specifically for your RV sound system

No safe driver discounts

Must get quotes through an agent

Allstate has been in operation since 1931 and now serves more than 16 million households. The company’s RV insurance has the following coverage:

• Personal injury protection
• Sound system
• Rental reimbursement

Allstate’s RV insurance will cover your RV’s manufacturer-installed sound system. If it’s damaged in an accident or stolen, your insurance will cover up to $2,500 to repair or replace it, minus your deductible.

The policy also includes rental reimbursement coverage. If your motor home is damaged related to your comprehensive or collision coverage, your rental reimbursement coverage will pay for you to rent a motor home or an automobile in its place.

While Allstate does have discounts for bundling policies, transferring RV insurance from other companies, and being a policyholder who's 55 and older, it does not have a safe driver discount. In addition, you must get a quote through an agent.

Allstate's financial strength has an A+ rating from AM Best.

Best Available Discounts : National General

• Key Benefit: Long list of discounts
• Types of Vehicles Covered: Class A, B, and C RVs, fifth wheels, travel trailers, Airstreams, campers

Of all of the companies we considered, National General has the most robust list of available discounts. According to the company, people who switch to National General save $389 per year on average.

Multiple discounts available

Online quote available

Coverage not available in Hawaii and Massachusetts

Higher than average number of customer complaints

Not all RV classes are covered

National General’s discounts include:

• Multiple vehicle discount
• Storage discount (for when your RV isn’t in use)
• Paid-in-full discount
• Low-mileage discount
• Paperless discount
• Multiple policy discount
• Safe-driver discount

You can get a quote online or by calling an agent. National General has customizable coverage options, so you can design a policy to meet your unique needs.

Coverage isn’t available in all states; residents in Hawaii and Massachusetts are not eligible. The company also doesn’t cover all RV classes, so your vehicle may not qualify for coverage.

National General has an A+ financial strength rating from AM Best. However, the company has received a significant number of customer complaints. The National Association of Insurance Commissioners maintains a database of complaints received about all insurance companies and compares the number of complaints received about each company to the company’s market share. Over the years, National General has had a far higher than average number of complaints relative to its size.

Best If Traveling to Mexico : Good Sam Insurance Agency

Good Sam Insurance

• Key Benefit: Specialty Mexico travel policies
• Types of Vehicles Covered: Class A, B, and C motor homes, fifth wheels, Airstreams, truck campers, travel trailers

If you intend to drive your RV into Mexico during your vacation, it’s important to know that you’ll need additional insurance coverage, as most RV insurance policies only cover you within 25 miles of the border and for no more than 10 days. With Good Sam Insurance Agency, you can get the necessary coverage for your trip. Whether you’ll be in Mexico for a weekend or several months, you can get a customized policy to suit your budget.

Online quotes available

Get a specific Mexico policy or add other coverage

Coverage for all classes of RVs

Not a direct insurer

Customer complaints about roadside assistance

Insurer-dependent coverage and service

Good Sam is not a direct insurer. Instead, it is an insurance agency that connects you with insurance companies offering RV policies. It has partnerships with some of the other companies on this list, such as Progressive, National General, and Safeco. It also partners with MexicoInsuranceOnline.com to offer specialty Mexico travel policies.

You can get an online quote and purchase a policy just for your trip to Mexico, or you can add a general RV policy. Good Sam Insurance Agency has coverage for all classes of RVs. Because Good Sam works with other insurance companies, the quality of customer service and coverage options can vary from company to company.

Roadside assistance has to be purchased as a separate policy. However, many customers have complained about Good Sam’s roadside assistance coverage. Customers cited long wait times, not being able to get service on Sundays, and high fees for services provided.

Best for Full-Timers : Progressive

• Key Benefit: Broad protection for full-timers
• Types of Vehicles Covered: Class A, B, and C motor homes, campers, fifth wheels, horse trailers

We chose Progressive for full-time RV travelers because it has a specific full-timer’s liability policy for people who use their RV as their permanent residence. With full-timer’s liability coverage, you have broader protection, including personal liability, medical payments, and loss assessment coverages.

Offers a specialty full-timer’s liability policy

Customizable coverage

Discounts not available in all states

Varying prices based on how you buy your policy

Basic liability coverage excludes travel trailers

Progressive was founded in 1937. Since then it has become one of the largest insurance companies, with more than 20.4 million policies in force.

Progressive has customizable RV insurance options, with coverage often starting at very low annual rates depending on your situation. Under its standard coverages, it offers:

It has several additional coverages you can add to your policy, including full-timer’s liability. With it, you’re covered up to a specific limit if you’re responsible for injuries in and around your RV. If you use your RV as a permanent residence, this is an option you should consider adding to your insurance policy for added protection.

While Progressive does offer several discounts, not all of them are available in all states. Your policy’s pricing is also dependent on how you purchase it. Your quote may be different if you purchase over the phone, online, or through an independent agent.

Progressive has an A+ financial strength rating from AM Best.

Best for Weekend Warriors : Safeco

• Key Benefit: Coverage and discount options for part-timers
• Full-timer Coverage: No
• Types of Vehicles Covered: Class A, B, and C motor homes up to $1 million in value; fifth wheels, campers, trailers, and horse trailers valued at up to $300,000

We selected Safeco as the best insurer for weekend warriors and part-time travelers because it specializes in RV insurance for people who use their RVs for fewer than 250 days per year. It has customizable options and covers Class A, B, and C motor homes, travel trailers, fifth wheels, pop-up campers, and camper vans.

Coverage for RVs used less than 250 days per year

Wide range of optional coverages available

Multiple discounts

Not all coverage options available in all states

No full-timer coverage

Safeco is a subsidiary of Liberty Mutual, a Fortune 100 company with an A rating from AM Best. It offers RV insurance to people who use their vehicles for fewer than 250 days per year. While all of its coverage options aren’t available in all states, it does offer the following:

It also has a wide range of optional coverages you can add to your policy, such as protection for your pet, electronic lock or key replacement, and loan or lease protection.

You can qualify for multiple discounts. If you take an accident prevention course, install an anti-theft device in your RV, or store your RV during the winter, you can get a premium reduction. Coverage for RV full-timers is not available, and you must contact a Safeco insurance agent to get a quote for a policy.

Best Customer Service : The Hartford

• Key Benefit: Excellent customer service

The Hartford partners with AARP to provide RV insurance through its AARP Auto Insurance and Homeowners Insurance Program. With strong rankings in J.D. Power’s Home Insurance and Auto Claims Satisfaction Studies, the Hartford is our choice as the best RV insurer for customer service.

High rankings from J.D. Power

Discounts for bundling policies

Only available to AARP members in most areas

No specific coverage for full-timers

No storage discount

The Hartford was founded in 1810 and is the only nationally endorsed auto and home insurance program for AARP’s 38 million members. The Hartford partnered with AARP to offer RV insurance for motor homes, travel trailers, and campers. It has the following coverage options:

• Collision damage
• Bodily injury
• Property damage

The Hartford’s RV coverage is only available to AARP members in most states, and it doesn’t have specific coverage options for full-time RV travelers.

When it comes to customer service, Hartford has an excellent reputation. Its RV insurance falls within its auto and homeowners insurance program. In J.D. Power’s 2022 Auto Insurance Study, The Hartford received the highest ranking spot for consumer satisfaction ratings in both Florida and the Northwest. In the J.D. Power 2022 Home Insurance Study, the company ranked third for customer satisfaction rating among the insurers in the study. The Hartford has an A+ rating from AM Best.

As a well-known, financially stable insurer, Nationwide is our top pick for overall best RV insurance that will give you that peace of mind. The company covers a wide range of different types of RVs, and it offers multiple policy options and a lengthy list of discounts. You'll have the chance to customize your coverage before you hit the road, and then enjoy your vacation worry-free.

Compare the Best RV Insurance Companies

Guide to choosing rv insurance.

Because an RV is a vehicle and may be a temporary or even permanent home, it blends aspects of auto insurance and homeowners insurance policies . Instead of using your current auto or homeowners insurance coverage, you typically need specialized RV insurance that includes the following:

• Collision: If you’re in an accident with another vehicle, collision coverage pays for damage to your RV.
• Bodily injury: If you cause an accident and someone is injured as a result, bodily injury coverage helps pay their medical bills.
• Property damage: This coverage pays for the other person’s vehicle or property if you cause an accident.
• Comprehensive: For damage not caused by an accident, comprehensive coverage pays for repairs to your vehicle after fires, storms, or theft.

In some cases, particularly if you plan on spending a significant amount of time in your RV or making it your full-time residence, you may need additional coverage. Many insurers allow you to customize your policy and add some or all of the following options:

• Towing and roadside assistance: If you need fuel, a tire change, or a tow during your trip, roadside assistance helps you get back on the road.
• Replacement cost: If items are stolen from your RV, this coverage option pays to replace the items that were taken, limiting the need to file a homeowners insurance claim.
• Vacation liability: If you’re using the RV as a temporary residence, vacation liability provides protection if an accident occurs.

To protect your investment, getting adequate RV insurance is important. Make sure you research the minimum coverage requirements in your state and get multiple quotes from different insurance companies to ensure that you get the best rates on your RV insurance policy.

Frequently Asked Questions

What insurance should i have on my rv.

The minimum required coverage on your RV will vary depending on your home state. Most states require bodily injury and property damage liability coverage for motorized RVs, which will pay for any injuries or damages you cause in an accident.

Towable RVs that aren't driven independently, such as travel trailers and fifth wheels, do not require liability coverage. However, regardless of the type of RV you have, it's a good idea to purchase additional coverage above the minimum legal requirements. For instance, comprehensive coverage will protect you if your RV is stolen or damaged by severe weather.

How Do You Save Money on RV Insurance?

Before settling on an RV insurance provider, shop around for the best quote and compare your options. You can save money on RV insurance by taking advantage of various discounts offered by the insurance company, such as bundling insurance policies, having a safe driving record, and paying your policy in full. Much like auto insurance, you can also lower your premium by raising your deductible.

How Much Is the RV Insurance Deductible?

The deductible is the amount you'll pay out of pocket before your insurance policy kicks in. When you file a claim on your damaged RV, the insurance company will assess the cost of repairs and subtract the value of your deductible from the damage costs it will cover.

When selecting comprehensive and collision coverage for your RV, you'll have the option to choose your deductible amount. This can typically range from about $100 to $2,500. However, some insurance companies offer vanishing deductible perks where the deductible amount will decrease the longer you go without filing a claim, effectively rewarding you for safer driving.

Does RV Insurance Cover Damage?

What your RV insurance will cover will depend on the type of policy you select. Collision coverage will cover damage caused by an accident with another vehicle. Comprehensive coverage will typically cover other types of damage to your RV, such as that caused by fire, vandalism, theft, falling objects, and severe weather.

To choose the best RV insurance providers, we researched 15 well-known companies offering RV insurance policies. We evaluated each insurer based on the coverage options it offered, what states it was licensed in, available discounts, its AM Best Rating, and its J.D. Power customer satisfaction study rankings.

Getty Images / ewg3D

Campers Inn RV. “ How Much Does an RV Cost? ”

Nationwide. " History ."

Fortune. " Fortune 500 Nationwide ."

AM Best. " Nationwide Ratings Supplement ."

Allstate. “ Allstate History & Timeline .”

AM Best. " AM Best Affirms Credit Ratings of The Allstate Corporation and Its Key Subsidiaries ."

AM Best. " National General Insurance Company ."

National Association of Insurance Commissioners. " National General Insurance Company Complaint Index ."

Progressive. " About ."

AM Best. " AM Best Affirms Credit Ratings of The Progressive Corporation and Most Members; Upgrades Issuer Credit Ratings of American Strategic Insurance Corp. and Its Affiliates ."

Fortune. " Fortune 500 Liberty Mutual Insurance Group ."

AARP. " AARP Public Policies ."

J.D. Power. " Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds ."

J.D. Power. " Bundle Fumble? Rising Auto Insurance Premiums are Killing Home Bundles, J.D. Power Finds ."

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Best RV Insurance Companies | 2023 Discounts and Coverage

The right provider for your castle on wheels will keep your focus on the road ahead.

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Ownership of recreational vehicles (RVs) has skyrocketed over the past few years, leaving many looking for the best RV insurance to protect their property and passengers. Cruising the country in a motorhome is a rewarding experience, but it should be a safe one, too. In order to help you with insuring your pride, joy, and mobile home-away-from-home, we’ve rounded up some of the best RV insurance companies to ensure that your family is well prepared for the open road.

This article may include references to products or services where The Drive has an affiliate relationship with the providing company. The Drive and its partners may earn a commission if you purchase a product through one of our links. Read more .

Summary List

Best for full-time rv users: progressive, best for part-time rv users: safeco, best for multiple discount options: nationwide, best for insurance bundles: allstate, best for coverage options: national general, best for customer service: auto owners insurance, our methodology.

To choose the best companies and products for this list, the team at The Drive looked at a large number of financial products from various providers. We focused on cost, product features and options, ease of use, customer service, and past customer ratings as the most important factors in our ratings.

Insurance Companies We Recommend for RV Insurance

• Bespoke coverage for full-time RV users
• Unique add-on coverage options for pet injury, roof protection, pest damage, and full-timer’s liability
• Generous 25 percent disappearing deductible
• Money-saving opportunities with multiple discounts
• Quotes available online, by phone, and in person
• Not all discounts are available in all states
• Standard coverage doesn’t include roadside assistance or emergency expense coverage
• Liability coverage doesn’t include travel trailers 
• Class A, B, and C motorhomes, cargo and horse trailers, conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, and utility trailers
• Both full-time and part-time RV enthusiasts alike may enjoy Progressive’s selection of policies and add-ons that allow access to 24/7 services and coverage options.

Progressive is among the largest insurance companies in the U.S, and its standard RV coverage reflects the company’s status as one of the nation’s most competitive insurers, including comprehensive and collision , liability , uninsured/underinsured motorists, and medical payment assistance . 

Yet, its full-time RV insurance is where Progressive’s coverage shines, specifically its Disappearing Deductibles add-on that will give peace of mind to those who use their recreational vehicle as a primary residence (six months or more each year). With each annual policy in which you’ve had no accidents or violations, Progressive will subtract 25 percent from your comprehensive or collision deductible — reducing it to $0 after four years of an exemplary driving record. That’s a steep savings for when a policyholder is involved in a motor vehicle accident.

Progressive also extends a lineup of discounts to save even more on your policy, too, such as money off for prompt payment history, responsible driver, pay-in-full, original owner, claim-free renewal, paperless documents, and more.

• Bespoke coverage for part-time RV users
• Generous $100 Diminishing Deductible for those who remain claim-free each year
• Optional vacation liability add-on 
• No coverage for those who use their RVs more than 250 days each year
• Not all coverage options available in all states
• Standard coverage doesn’t include roadside assistance or emergency assistance coverage
• Limited information available on website
• Quotes only available via phone call
• Class A, B, and C motorhomes, conventional trailers, fifth-wheel trailers, pop-up campers, toy haulers, truck campers, utility trailers, and horse trailers. 
• Holidaymakers, weekend warriors, and part-time RVers may find Safeco’s specialty part-time insurance affordable and advantageous. However, full-timers will need to look elsewhere — Safeco doesn’t insure recreational vehicles that are used more than 250 days of the year.

Safeco is a branch of Liberty Mutual Insurance, one of the largest insurers in the U.S. It provides a range of coverages for RV enthusiasts who are only on the road for a portion of each year. Safeco offers standard and customized policies that can be tailored to fit the needs of most part-time RV users.

Safeco’s standard coverage includes what you’d expect — collision , comprehensive , etc. —but it also insures personal property, audio-visual gear, and other customizations installed aftermarket. You can personalize your policy with add-ons such as loan or lease protection , 24-hour roadside assistance , and lock and key replacement .

Safeco also offers a Diminishing Deductible for those who remain claim-free. Enjoy a $100 reduction from your collision deductible each annual policy renewal for up to five years until a maximum of $500 is reached. 

Furthermore, the insurer helps policyholders cut their premiums with an array of RV discounts. These range from standard multi-policy discounts to exclusive discounts for those who complete an approved accident-prevention course or who equip their vehicles with anti-theft devices.  

• Complimentary annual reviews to evaluate your policy costs
• Optional trip interruption insurance that covers the cost of meals, transportation, and lodging
• Class A, B, and C motorhomes, conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, and horse trailers. 
• Households that prioritize affordability in an insurance policy may find what they’re looking for with Nationwide. While premiums vary widely depending on the customer, Nationwide provides a long list of discounts that savvy drivers can potentially take advantage of to save money. 

Formerly known as the Farm Bureau Mutual Automobile Insurance Company, Nationwide is one of the nation’s oldest and most well-established insurers, and it provides clients with an array of policies and coverage options for both part-time and full-time RV users.

Nationwide’s standard coverage includes bodily injury liability , property damage liability , collision , comprehensive , uninsured and underinsured motorist , and medical payments . Additionally, policyholders can customize their RV policy with add-ons such as roadside assistance , vacation liability , towing and trip interruption , and safety glass replacement .

Yet, perhaps Nationwide’s most compelling offering is its extensive roster of discounts. In addition to more common options, like multi-policy and multi-vehicle savings, you can reduce the cost of your premium by taking an RV safety course, being a member of an RV association, paying in full, having a claim-free record, and more.

• Generous multi-policy bundle discounts
• Unique add-on coverage options for pet injury, sound systems, vacation liability, and full-timer’s liability
• Over 55 and retired persons discounts
• No good driver discounts
• Allstate’s website does not detail which specific classes and types of recreational vehicles it insures, so you’ll need to speak with an agent to determine if this insurer is right for you.
• People who are looking for affordable RV insurance, but do not want to skimp on the coverage should know about Allstate. The premiums for this insurer’s well-rated coverage can be reduced dramatically by bundling RV insurance alongside your other household policies for auto, life, homeowners, and so on.

Founded in 1931, Allstate was originally a subsidiary of the venerable Sears and Roebuck Co. Now, it's a Fortune 500 company servicing both the U.S. and Canada. Allstate’s long shadow allows customers to turn to the insurer for a variety of policies including auto, life, renters, homeowners, motorcycle, and more. This bundling of policies helps drive down the cost of premiums due to Allstate’s multi-policy discounts. In essence, the more business you do with Allstate, the more you’ll save.

Further, this insurer offers additional discounts that will appeal to deal seekers. From commonplace paperless and pay-in-full discounts to more unique savings for motorists who are married or over the age of 55. Allstate may not have more discounts than its competitors — but it certainly gives policyholders opportunities to save money.

It provides a variety of coverage including bodily injury liability , property damage liability , collision and comprehensive , and total loss replacement . Part-timers and full-timers will appreciate Allstate’s vacation liability and full-timer liability , while pet parents will enjoy the peace of mind knowing their furry friends will be covered, too.

• Specialized equipment coverage
• Total loss replacement coverage available for three years
• Pause coverage for stored RVs
• Storage discount for unused RVs
• Coverage not available in all states
• High volume of customer service issues
• National General’s website does not detail which specific classes and types of recreational vehicles it insures. You’ll need to speak with an agent to determine if this insurer is right for you.
• RV enthusiasts who own premium motorhomes or who have expensive customizations will find National General’s wide range of coverage options appealing. Not only does this insurer offer extended total loss replacement coverage, it also insures almost any type of aftermarket installation or alteration, from solar panels to suspension.

While you’ll be quick to find online claims of poor customer service lobbed at National General — also known as NatGen — this dynamic insurance company furnishes clients with, perhaps, the most robust selection of coverage options for RV owners. In addition to most types and classes of motorhomes and trailers, NatGen will insure specialty equipment such as solar panels, custom wheels, body alterations, and so on.

Still, among NatGen’s assortment of coverage options, its total replacement policy may be the most exciting. In the unfortunate event that your recreational vehicle is totaled or stolen in its first three years, NatGen will replace it with a comparable, new vehicle. Beyond those first three years, your policy entitles you to receive the full original purchase price for a new RV. That’s real value for money.

Plus, policyholders can cut the costs of their premiums when they take advantage of the numerous discount options available to them, including discounts for when your RV is in storage, going paperless, paying your policy in full, having low mileage, being a safe driver, and more.

• Well-documented history of customer satisfaction
• Manage claims and account online and through mobile app
• Not available in all states
• Policyholders who value reliability over cost with their insurance company might find Auto Owners Insurance’s customer satisfaction scorecard attractive. 
• Auto Owner’s website does not detail which specific classes and types of recreational vehicles it insures. You’ll need to speak with an agent to determine if this insurer is right for you.

Boasting multiple reports of above-average customer service — most notably from TIME — it’s no wonder that Auto Owners Insurance was awarded a five-star review by NerdWallet . With fewer complaints than other insurance providers, Auto Owner Insurance specializes in customer satisfaction, according to data from the National Association of Insurance Commissioners (NAIC).

It’s this dependability that resonates with RV owners who prioritize quality service when they need it most — after an accident, theft, injury, or another unexpected tragedy. Auto Owners offers roadside assistance , medical payments and personal injury protection , bodily injury and property damage liability , collision and comprehensive , and uninsured and underinsured motorist coverage .

Additionally, this insurer features the usual lineup of discounts, like multi-policy and pay-in-full. But it also offers savings to customers who request quotes prior to their policy dates and those who make on-time payments for 36 months in a row.

Average Cost of Insurance for RVs

While the cost of RV insurance will vary widely depending on the insurance company, policy prices are largely determined by a number of factors including:

• Age and value of the RV
• Type or class of vehicle
• How often you use your RV
• Where you live
• Your claims history
• Your driving record and experience

According to data published by Progressive , the average cost of RV insurance is around $125 per year for small trailers to around $1,000 annually for large motorhomes. As a rule of thumb, the more expensive the recreational vehicle, the more costly the premium. 

Still, policyholders can save money on their premiums by taking advantage of discounts offered by their insurer for having a good driving record, pre-paying policies, or taking an RV safety course.

How to Save on Insurance

Shopping for the lowest rate for your RV insurance can be intimidating, but it’s easier than many people think. Here are a few tips to find your best coverage and save money on the premium.

• Know your RV’s value. Determining the value of your motorhome before shopping for quotes will inform your coverage needs. NADAguides can provide the ballpark value for your RV.
• Get multiple quotes. It’s generally considered a best practice to compare 3-5 quotes before deciding on an insurance policy. Be sure to request quotes for similar types of coverage, and don’t be afraid to make insurers compete for your business by leveraging a lower quote against a higher one. It never hurts to ask.
• Improve your credit score. While your credit reports generally show lenders your creditworthiness, insurance servicers also use your credit score to predict the odds that you’ll file a claim. Common ways to increase your score include paying down high-interest debt, making on-time payments, and keeping your credit utilization ratio below 30 percent.
• Consider bundling your RV insurance policy. Most insurance companies offer multi-policy discounts to customers who bundle different policies. For example, bundling your car insurance with your RV insurance could reward you with a deep discount.
• Look for insurance providers that offer numerous discounts. Bundling your insurance policies isn’t the only way to save money on your RV insurance. Find insurers who offer multiple types of discounts. We show you some common policy discounts below.

Here’s how to look out for discounts and which ones we’d recommend:

• Responsible driver: Motorists often score substantial savings when they can show a driving history free of at-fault motor vehicle accidents or violations. Time periods vary by insurer, but generally two to three years of a clean record will qualify
• Claim-free renewal: Similar to a responsible driver discount, some insurance companies will grant discounts to customers with no at-fault claims when they renew their policies
• Multi-policy: Loyalty pays, and discounted premiums commonly go to those who hold additional policies — such as auto insurance and homeowner’s insurance — with their RV insurance company 
• Original owner: Regardless of the age of the motorhome, original owners frequently earn policy discounts
• Pay-in-full: Many insurers offer discounts when you pay your entire annual policy upfront
• Storage discounts: Weekend warriors will appreciate reduced premiums when they put their unused recreational vehicle in storage.

Essential Cost Variables for Insurance

As with everything, there are a host of variables that will affect the cost of your insurance as no two people are exactly alike. With that in mind, here are the variables that’ll change the cost of your insurance. 

Age plays a significant role in determining the cost of insurance, with teen drivers paying the highest rates. Some data suggests that 16-year-old drivers pay over 300 percent more than their 55-year-old counterparts.

While the use of gender to influence auto insurance costs is increasingly coming under more scrutiny, there is data to show that men pay higher rates than women. Still, as drivers age, this gender gap tapers as both begin to pay similar rates. 

Keep in mind that California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania all have laws forbidding insurers to use gender as a determining factor in the cost of insurance.

Credit Score

Insurance providers use your credit history to forecast the likelihood you’ll file a claim.  

As a rule of thumb, the lower your credit score, the more you’ll pay for insurance. Drivers with “exceptional credit” save $1,537 per year, compared to those with “very poor” credit, according to data from The Zebra .   

When it comes to the cost of insurance premiums, your ZIP code matters. In addition to risk assessments based on nearby crime rates, traffic congestion, and environmental threats, motor vehicle insurance is largely regulated by individual states. 

Data suggests that policyholders in states like Iowa and Wisconsin pay, on average, less than $400 per year for car insurance. On the other hand, those living in Florida and Michigan may pay upwards of $2,000 to $4,000 for similar coverage. 

Additionally, drivers in rural areas will typically pay lower premiums than those in crowded metro areas.

Vehicle/Model

The class of your recreational vehicle is one of the primary details that will decide the cost of your RV insurance. 

• Class A motorhomes are generally the most expensive to insure. These are larger recreational vehicles that are manufactured on chassis designed for buses
• Class B motorhomes are less expensive to insure. These vary in size and are commonly referred to as campervans
• Class C motorhome insurance is usually priced between classes A and B. These are mid-sized RVs with built-in cabins
• Trailers may not require RV insurance, but it depends on your current auto insurance policy. These include anything that is towed with another vehicle, including conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, and horse trailers

Type of Coverage

You’ll want to secure an RV policy that is personalized for your lifestyle and how you plan on using your motorhome. 

People who will use their recreational vehicle for a couple of family vacations each year should look into part-time insurance or coverage that offers discounts for low mileage or parking RVs in storage. 

Full-timers — those who use their RV more than half the year or as their primary residence — may want to consider a full-time policy, full-time liability, or a similar package.

While titles and premiums may vary by provider, these are the common types of RV coverage:

• Bodily injury liability: Covers medical costs for others
• Property damage liability: Covers damages to other’s property
• Collision: Covers damage to your RV due to roadway accidents
• Comprehensive: Covers damage unrelated to roadway accidents, like fire or theft
• Uninsured or Underinsured motorist: Covers damage to your RV from other motorists
• Personal injury protection: Covers medical costs for you and your passengers

You’ve got questions. The Drive has answers. 

Q: Should I buy RV insurance?

A: Yes, when your RV has its own engine and steering wheel, you’ll need an RV insurance policy that covers your recreational vehicle when it is both on the road and settled as a residence (for example, parked at a campsite). While motorhomes are required to carry minimum liability coverage across the U.S., additional coverage requirements will vary by state. For instance, many states mandate uninsured and underinsured motorist insurance, but not all. Yet, insurance is not always required if your recreational vehicle is being towed by an automobile. In these instances, auto insurance policies often have provisions that cover hitched trailers and towed campers.

Q: What is an RV policy?

A: An RV policy is insurance coverage for a recreational vehicle. Typically, if you tow a trailer or camper behind your automobile, you may not need an RV policy. However, if your recreational vehicle moves on its own, then you have a motor vehicle that requires an RV policy. These policies vary according to your needs, but most insurers offer standard coverage like bodily injury liability , property damage liability , collision , comprehensive , uninsured and underinsured motorist , and medical payments .

Q: Can I drive a motorhome on my car insurance?

A: Generally, no. Because motorhomes are used differently from cars, you’ll need a separate insurance policy to operate a recreational vehicle. While RVs are on wheels, like a car or truck, they are also essentially a house and, as such, need liability coverage consistent with a residence. An exception may be when you are towing a utility trailer or a camper, but this will depend on the terms of your current auto insurance policy.

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Home » What We Cover » Personal Insurance » RV Insurance

RV, Motorhome & Camper Insurance

What does recreational vehicle insurance cover, travel trailers, horse trailers, rv insurance coverages, liability coverage.

Provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.

Comprehensive & Collision Coverage

Options tailored to your needs can include:

• Stated Value – market value/actual cash value of the RV
• Agreed Value – the insured amount, regardless of the current market value
• Replacement Cost – we will replace your insured RV with a new RV that is most like it

Vacation Liability Coverage

Coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

Personal Effect Coverage

Provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected. Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.

Other Factors

• RVs and Travel Trailers that are for personal, and recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation. 
• Other additional coverage can include: pet coverage, diminishing deductible, and more.
• Discounts can lower your premium. Ask us whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
• You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

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Travel Insurance

to Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

• It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
• Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
• Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
• You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
• If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
• You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
• Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?
• You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
• Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
• You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?

Protect your vacations by purchasing travel insurance.   Ask a BCD Leisure Specialist for assistance in selecting the best coverage for your travel needs.

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RV Insurance

Insurance for your RV, travel trailer, or camper.

Start a quote online or call (877) GEICO-RV (434-2678)

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

• Motorized RV insurance
• Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

• Defensive Driver Discount
• Good Student Discount
• Military Discount
• Multi-Vehicle Discount
• Multi-Line Discount
• Association Discounts
• Commercial Driver's License Discount
• Anti-Theft Discount

Pay Your Way

We offer convenient payment methods and plans :

• Pay online, over the phone, or by mail
• Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

• Get an ID card
• View your policy details
• File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

• Total loss replacement
• Replacement cost personal effects
• Vacation liability
• Emergency expense coverage
• Special windshield deductible
• Recreational vehicle medical payments coverage
• Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

• Conventional travel trailers
• Fifth-Wheel travel trailers
• Folding camper trailers
• Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

• Sales Mon - Sun 8:00 AM - 11:00 PM (ET)
• Service 24 hours 7 Days a Week

RV Insurance: Get the answers you need.

• Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
• How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
• What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. 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.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Personal Finance

Cheap renters insurance companies 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

A renter’s insurance policy offers important financial protection, covering items that are excluded by your landlord’s coverage. It can help pay to repair or replace personal items that are stolen or damaged by fire, flooding, or other incidents. It also provides coverage if you’re held responsible for another person’s injury or property damage.

And while it might be challenging to budget for an additional insurance policy, know that renters insurance is relatively inexpensive. The eight companies in our review offer policies ranging from $13 to $30 per month.

Comparing cheap renters insurance companies 2024

* J.D. Power ranking score based on a 1,000-point scale. Trustpilot scores range from 1 to 5.

Our reviews of cheap renters insurance companies in 2024

Best for older renters: allstate.

Allstate is one of the country’s most easily recognized brands. The company’s renters insurance has an average annual cost of $258, putting it near the middle of the companies in our review. You can save money by bundling a renters policy with an Allstate car insurance policy. The company also offers discounts for those aged 55 and older and for those who choose to pay the policy premium via automatic withdrawal from a savings or checking account.

An Allstate renters insurance policy includes standard coverages for renters, including personal property, liability, additional living expenses, and medical. Quotes are available online at the Allstate website or through one of the company’s agents. And Allstate offers policy access through both its website and handy smartphone app.

• Discount for those age 55 and older.
• Obtain a quote online or through an agent.
• Poor Trustpilot customer satisfaction rating.

Best for customer satisfaction: American Family

At $366 per year, American Family (AmFam) is the most expensive insurer in our review. However, it consistently scores very well in key customer satisfaction measures, including Trustpilot and the most recent study of the renters insurance market by J.D. Power.

The company offers a discount for bundling a renters and car insurance policy, along with discounts for smart homes, choosing paperless billing, opting for automatic payment withdrawal, paying in full, and being a loyal customer. It also offers a “generational discount” for those whose parents were AmFam customers.

A standard AmFam renters policy includes personal property, liability, loss of use, and medical expense coverage. Additional options are available for high-value personal property (such as jewelry), identity fraud, personal injury, and damage to electrical appliances.

AmFam offers quotes online or through its network of agents. Customers can also make payments and handle other simple policy service tasks online or through the MyAmFam app.

• High ratings by J.D. Power and Trustpilot.
• Good selection of discounts.
• Good selection of optional coverages.
• The most expensive insurer in our review.

Best for optional coverages: Erie

Pennsylvania-based Erie Insurance took the top spot in J.D. Power’s most recent study of the renters’ insurance market. At an average cost of $276 per year, the company falls around the middle, pricewise, of companies in our review.

That cost can be brought down with several discounts. The company offers a bundling discount for combining a renters policy with an Erie auto, life, or umbrella policy. Erie also offers discounts for having safety features in the home, for getting a quote more than seven days in advance of the policy start date, and for being an older customer.

As with a typical renters policy, Erie offers personal property, personal liability, additional living expenses, and medical payment coverage. It also offers optional coverage for expensive items such as jewelry, firearms, credit card fraud, loss of items in your refrigerator due to a power loss, and coverage for watercraft and trailers.

One knock against Erie is that the company doesn’t offer online quotes. You must work with a local agent to get a quote and buy a policy. The company does offer payments and other services on its website or through its smartphone app.

• Wide selection of optional coverages.
• Top-ranked renters insurance by J.D. Power.
• No online quotes.
• Low Trustpilot customer satisfaction rating.

Best for ease of use: Lemonade

Founded in 2015, Lemonade is still a relative newcomer to insurance. But the company has a lot going for it, including being easy to work with. At $181 annually, the average cost of a Lemonade policy is the second-lowest in our review.

Lemonade promises a 90-second turnaround for online renters insurance quotes and boasts that many claims can be settled in seconds. The Lemonade iOS and Android apps are both highly rated in their respective stores. In the most recent J.D. Power study of the renter’s insurance market, Lemonade ranked third, with 854 points. Its Trustpilot score of 4.4 is among the highest in our review.

In addition to the personal property, liability, medical expense, and temporary living expense coverages that make up a standard renters policy, Lemonade offers extra coverage for high-value personal items and equipment breakdown coverage for appliances. Discounts include those for bundling a Lemonade renters and car insurance policy and for having safety features in the home.

A.M. Best does not rate lemonade but has an A rating for financial strength from Demotech.

• Robust online experience.
• Does not have local agents.

Best for bundling: Liberty Mutual

A Liberty Mutual renters insurance policy costs an average of $290 annually. That places it on the higher side of the companies in our review. Fortunately, that cost can be brought down with discounts for bundling policies, enrolling in automatic payment withdrawals, buying online, being claim-free, and getting a quote before the current policy expires.

Renters policies include the standard coverages—personal property, liability, loss of use, and medical payments. Optional coverage for expensive jewelry is also available.

And because Liberty Mutual offers such a wide range of vehicle, property, business, and life insurance policies, it can be a great option for bundling coverage.

Liberty Mutual offers quotes online or through an agent, along with online and app options for customer service.

• Wide range of additional policy types.
• Above average rating by J.D. Power.
• Low Trustpilot rating.

Best for discounts: Progressive

Car insurance may be the first thing that comes to mind when you think of Progressive. However the company has grown its property insurance business significantly in recent years, including renters coverage. At $272 per year, a Progressive renters policy is on the more expensive side of the companies in our review.

The good news is that Progressive offers many discounts that can mitigate the higher cost. These include discounts for having multiple Progressive policies (bundling), getting a quote at least three days before the policy start date, receiving documents by email, paying in full, and living in a secure/gated community. Progressive also offers a single deductible, so if a covered car and home are damaged in a single incident, the customer pays only a single deductible for the two claims.

A Progressive renters policy includes the standard personal property, liability, loss of use (additional living expense), and medical payments coverage. The company also offers optional coverage for water backup and personal injury.

Those interested can get a Progressive renters insurance quote online or through an independent agent. The company also offers policy access online or through its app.

• Excellent selection of discounts.
• Quote online or through an agent.
• Policy cost is on the higher side.
• Below average ranking by J.D. Power.

Best for lowest cost: State Farm

At just $156 per year, State Farm has the cheapest renters insurance policy in our review. Its low cost can be further reduced with discounts for bundling multiple State Farm policies and for having home protection features such as smoke detectors.

Regarding coverage, a State Farm renters policy provides standard personal property, liability, and additional living expense (loss of use) coverages. Options such as identity theft coverage, earthquake coverage, identity restoration coverage, personal umbrella, and pet medical insurance are also available. Beyond that, State Farm offers a wide range of personal insurance, banking, and investment products.

State Farm quotes are available on the company website, app, or through an agent. The company’s A++ rating is A.M. Best’s highest, meaning customers can be confident in State Farm’s financial stability.

• Lowest cost in our review.
• A.M. Best A++ rating.

Best for U.S. military: USAA

It’s quite common to see USAA recommended as a top choice for the U.S. military community. That’s with good reason. The company’s insurance products and other financial services are available exclusively to active and honorably retired U.S. military members and their families. We did not find an independent cost for a USAA renters policy, but the company website states that coverage is available for as little as 33 cents per day ($120 per year).

USAA renters insurance includes personal property, liability, loss of use, and medical payments coverages. It also features standard flood and earthquake coverages, which are generally not part of a standard renters policy. The company even provides coverage for privately owned military gear and members who are deployed abroad.

Discounts include those for bundling, being claim-free for three or more years, having protective devices in the home, living on a military base, or being enrolled in a service academy or military college.

Members should call USAA's toll-free number or visit the company's website for a quote. Claims can be reported on the USAA website or app. USAA has an A++ rating from AM Best, the analyst's highest rating for financial stability.

J.D. Power rates USAA but does not rank the company, given its niche market. But its rating in J.D. Power’s most recent study of the renters insurance market is higher than that of any other company.

• Coverage options geared toward U.S. military members' needs.
• No local agents.

Methodology

We gathered information from several leading renters insurance companies, relying primarily on their websites. Third-party ratings and rankings information came from A.M. Best , Trustpilot , and the J.D. Power 2023 U.S. Home Insurance Study (which includes ratings of renters insurance companies). Pricing is from a recent review of renters insurance companies in U.S. News .

We evaluated each company to develop our “best for” ratings, focusing on standout features and/or high ratings.

Policy costs are averages based on multiple quotes. We share these for general comparison purposes only. Please understand that your renter’s insurance cost may vary dramatically from the figures shown.

How to get the cheapest renters insurance

There’s really no such thing as “one-size-fits-all” insurance—a policy that works for a family member or friend might fail to give you the coverage you need. So, you will want to do the proper research when buying renters insurance. Consider the following tips:

Shop around to get the best combination of coverage and price

Costs vary between insurance companies. As we’ve seen in our own review, there’s a $210 annual difference in price between the cheapest and most expensive renters insurance policy. You owe It to yourself to check with at least three or four insurers to ensure you get the best price.

Ask about discounts

All of the insurers in our review offer multiple policy discounts. When you get a quote, be sure to ask about these and any other ways to save.

Consider bundling your policies

Many insurers offer generous discounts for having multiple policies, such as renters and car insurance.

Talk to an independent insurance agent

Independent agents represent multiple companies. They can take much of the shopping burden off your shoulders by checking with the companies they represent to see which offers the best price.

Are there alternatives to renters insurance?

Many landlords require tenants to have renters insurance as a lease condition. Beyond that, renters insurance is typically not a requirement. It’s not uncommon for renters to self-fund their emergency expenses, ideally setting aside savings for the purpose.

Exercise caution, however, if considering this alternative. Add up the value of your belongings and figure out if your savings could really replace them if needed. And remember that renters insurance also provides personal liability coverage, protecting you from potentially devastating lawsuits.

More about cheap renters insurance

A landlord’s insurance policy typically covers the property they own—the building itself, any common areas, and permanent appliances. A renter’s policy picks up where the landlord’s policy leaves off. It provides coverage for the things you own, such as your clothing, furniture, and electronics. It also provides important financial protection if you’re responsible for someone’s injury or property damage or are forced to move out of your home temporarily.

What does renters insurance cover?

A renters insurance policy typically includes the following coverages:

• Personal property: Reimburses the value of your belongings if they’re stolen or destroyed by a fire, storm, or other covered event.
• Personal liability: Provides coverage if you’re responsible for someone’s injuries or property damage.
• Additional living expense: Reimburses you for the cost of alternative living arrangements (such as a hotel) if your rented home is uninhabitable due to a fire or other incident.
• Medical expenses: Helps cover the cost of medical care related to injuries sustained by guests in your rented home.

How to determine how much renters insurance you need

Renters insurance provides financial protection if your personal belongings are stolen or destroyed by fire or other catastrophe. So you need to have a good understanding of your belongings’ value to determine how much renters insurance you need .

An important step is to complete a home inventory. This is simply a list of your belongings, their date of purchase and purchase price, a brief description of their current condition, and an estimate of their current value. Save receipts if you can, and take photos of each item.

When you’ve completed your home inventory, you can use it to determine a coverage amount (limit) for your personal property coverage.

You should also consider your lifestyle and assets to determine your need for personal liability coverage. If you’re a “social butterfly” who frequently has guests in your home (and potential liability for injuries to those guests), you may want to consider higher limits for your personal liability coverage.

Learn more about how to determine how much renter coverage you need.

What does renters insurance not cover?

While renters insurance covers many losses , certain incidents are often excluded.

These include the following:

• Damage to or theft of business property.
• Damage to or theft of expensive jewelry, artwork, furs, or firearms.
• Injuries caused by pets.
• Damage caused by flooding or earthquakes.

However, you can typically buy additional coverage or policies to provide the necessary protection.

TIME Stamp: Affordable renters insurance is easy to find

The best renters insurance companies provide important financial protection if your personal belongings are stolen or destroyed or you’re held responsible for someone’s injury or property damage. And policies are relatively cheap. Our review of eight leading companies showed average costs between $13 and $30 per month.

Frequently asked questions (FAQs)

Is renters insurance necessary.

It’s becoming more common for landlords to require tenants to get renters insurance as a condition of their leases. So, you’ll want to check with your landlord to understand their requirements.

Otherwise, renters insurance is typically not required by law (as with car insurance). Nevertheless, considering the financial protection offered by renters insurance, it’s something you should consider having.

Does renters insurance cover floods and earthquakes?

Renters insurance typically does not cover watershed flooding or earthquakes. However, separate coverage for these events is available.

How much do most people pay for renters insurance?

Renters insurance is reasonably affordable. Policies from the eight companies in our review cost an average of $13 to $30 per month.

Can I buy cheap renters insurance online?

Most of the companies in our review offer online quotes for renters insurance. However, some companies require you to complete the purchase with a local agent or over the phone with a company representative.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.