Recreational vehicles, commonly known as RVs, come in all shapes and sizes, from motor homes to travel trailers. So it’s only natural that many different types of RV insurance exist. At a minimum, most states require the same amount of liability coverage that is required for a car. What you go for depends on the type of RV you own, how you use it, and how much it is customized.
How to Find RV Insurance
The best way to find RV insurance that’s right for your RV is to shop around. Many insurance comparison sites include RV insurance. Enter your details to get a list of quotes from multiples service providers. Alternatively, ask an agent to search for the best policy for you.
Types of RV Insurance Available
Every vehicle driven on the road needs to be insured. This includes motor homes, vehicles with permanently attached living quarters. Types of motor home coverage include bodily injury and property damage liability, uninsured motorist, personal injury protection, limited property damage, property protection, comprehensive and collision. Most states requires motor homes to have liability insurance while being driven on the road.
Campers, fifth wheels, pop-ups and travel trailers are towed behind a vehicle and not driven, so insurance for these RVs is optional under state law. However, if you have a secured loan on the towable RV, your lender may require full coverage to protect its interest.
Most insurance providers offer specialized coverage for RVs, such as total loss replacement, custom equipment, roadside assistance, vacation liability and personal effects. Some providers offer a storage option, which lets you temporarily suspend the coverages you don’t need while your RV is off the road, while still covering you for threats like theft, fire and storm damage.
If your RV is your permanent home, you need RV insurance policy coverages similar to those provided by a homeowners policy.
RV Laws to Keep in Mind
Many states have laws pertaining to the width and length of trailers on highways. For example, in Alabama, trailers wider than 8.5 feet are not allowed on highways. Alabama also has a trailer length limit of 40 feet.
Be aware of different state speed limits for RVs, particularly if you’re driving from one state into another. For example, in Nevada the speed limit on freeways is 65 mph for any vehicle towing a trailer, but it's 55 mph in neighboring California.
Many cities, counties and states also have laws regarding where an RV can be parked. Creely, Colorado allows street parking of RVs, but only up to 48 hours. In many cities, such as Lakewood, California, you need daily temporary permits for street parking of RVs. Contact your local zoning department for RV parking and residence restrictions.
Plenty of Walmart stores across the United States allow free overnight RV parking in their lots. However, not all Walmart stores allow this (and in some states, it's illegal), so check with the store before you set up home for the night.
How much you pay for RV insurance depends on many factors, including your age, gender, driving record, marital status, credit score, model, type and age of your RV, where it is stored, how often it is used and whether its main use is as a primary residence or for vacations. Expect to pay around $550 per year for a motor home and $250 for a towable RV.
- DMV.org: RV Insurance
- National General: RV Insurance Frequently Asked Questions
- City of Greeley Colorado: Recreational Vehicles
- Perry Insurance Agency, Inc: Minimum RV Insurance Requirements in the State of Utah
- City of Lakewood, California: Parking Permits
- Allstays: Walmart Locations by State
- State of California Department of Motor Vehicles: Speed Limits
- AAA Digest of Motor Laws: Trailer Speed Limits
Claire is a qualified lawyer and specialized in family law before becoming a full-time writer. She has written for many digital publications, including The Washington Post, Forbes, Vice and HealthCentral.