RV Insurance Coverage
Protect your open-road adventures with customizable RV insurance built to fit your needs. It covers a variety of recreational vehicles, including motorhomes, campers and trailers.
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Standard RV Insurance Coverage
Our standard RV coverage goes the extra mile to protect you and your motorhome or camper. It also covers your vacation, belongings, passengers and pets.
What does an RV insurance policy cover?
Types of RV Insurance Coverage
Liability Protection
Liability insurance helps cover expenses associated with injury, death and property damages. It delivers coverage if you or others driving your RV cause an accident.
Your spouse pulls into a parking lot and hits a store’s low-hanging sign. This portion of your RV insurance can help you replace the store's property.
Collision Coverage
Collision coverage protects you from RV loss or damage caused by a rollover or collision with another vehicle or stationary object. It delivers coverage regardless of who is at fault.
You scrape your vehicle against a large rock while backing out of your camping spot. This portion of your RV coverage helps pay to fix the damages.
Comprehensive Coverage
Comprehensive coverage helps protect you from RV damage and loss. It covers fire, theft, vandalism and falling objects.
A cooling system failure in your camper’s or motorhome's refrigerator causes a small fire. This portion of your RV insurance helps you pay for repairs up to your coverage limit.
Limited Pet Coverage
Limited pet coverage helps protect your cat or dog in your camper or motorhome after an accident or other covered loss. Limited to $1,000 total for all pets.
A truck rear-ended your vehicle, and now both your dogs are limping. This portion of your RV insurance can pay up to $1,000 for their combined veterinary bills.
Personal Property Coverage
Personal property coverage helps mitigate costs associated with losing covered personal property. It must be contained in, attached to or used in connection with your camper or motorhome (within 25 feet). This policy is limited to $500, but you can purchase more coverage to increase it.
When you swerve to avoid a deer, your new camera flies off the counter, cracking its lens. This portion of your RV insurance can help you fix it.
Medical Expense Coverage
Medical expense coverage covers you and others in your camper or motorhome. It helps pay reasonable and necessary medical expenses due to accident-related bodily injury, regardless of who's at fault.
You're in a minor collision; you and your passenger are injured and need to see a doctor. This portion of your RV insurance can help financially protect you from the costs.*
Customization Coverage
Customization coverage helps protect your additional equipment, devices, accessories and enhancements added to your RV. While it includes $1,000 of coverage, you can increase it to $50,000.
A windstorm breaks your new awning in the middle of the night. This portion of your RV insurance can help you replace it.*
Vacation Expense Coverage
Vacation expense coverage provides up to $200 for lodging costs if your RV becomes uninhabitable while on vacation due to damage or destruction from a covered loss.
Your partner sideswiped a tree, and now your slides are jammed shut. This portion of your RV insurance coverage enables you to get a hotel while your slides get fixed.
RV Insurance Add-Ons
Protect your open-road adventures from the unexpected by customizing your RV insurance with our add-on coverages.
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*The information on this webpage represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
**For campers, these coverages may extend from the towing vehicle's policy. Check your towing vehicle's policy for exact details, coverages, and exclusions, or better yet, let your agent get the answer for you.
***Available at renewal for existing policyholders.
Some coverages may not be available in your state. Available at mid-term renewal for some existing policyholders. Please speak with your agent to learn more about your coverage options.