RV insurance isn't one-size-fits-all. A full-timer living in a Class A motorhome needs different coverage than a family with a weekend travel trailer—and prices vary dramatically.
We obtained quotes from 9 insurers, analyzed policy details, and researched claims experiences to find the best RV insurance for every type of owner.
Progressive
Bottom Line
Progressive wrote the book on full-time RV insurance. Their full-timer policies cover liability for your RV as a residence—coverage you simply won't find elsewhere.
Pros & Cons
Pros
- Full-timer coverage designed for living in your RV
- Total loss replacement on newer rigs
- Specialized RV roadside assistance
- 24/7 claims support
Cons
- Premiums run higher than recreational-only policies
- Deductibles can add up
- Claims process occasionally slower
Coverage Details
- Full-timer policies for RV-as-primary-residence
- Total loss replacement within first 5 years
- Personal effects coverage up to $10,000+
- Vacation liability for campground stays
- Specialized RV roadside assistance
- Replacement cost on attached accessories
- A+ AM Best rating for financial stability
Good Sam Insurance
Bottom Line
Good Sam makes sense for dedicated RVers who want specialists. Their agents speak RV fluently, and claims don't require explaining what a slideout is.
Pros & Cons
Pros
- RV-exclusive insurance specialists
- Replacement cost without depreciation
- Good Sam membership perks
- Staff who understand RV terminology
Cons
- Best rates require membership ($29/yr)
- Underwritten through partners
- Limited physical agent network
Coverage Details
- RV-exclusive insurance specialists since 1960s
- Replacement cost coverage (no depreciation)
- Coverage for all RV types
- 24/7 Good Sam Roadside Assistance integration
- Vacation liability coverage
- Emergency expense allowance
- Discounted rates for Good Sam members
Foremost
Bottom Line
Foremost is where you go when everyone else says no. Vintage rigs, custom conversions, high-value builds—their agreed value means you won't get lowballed.
Pros & Cons
Pros
- Insures vintage RVs others won't touch
- Agreed value protects custom builds
- Generous emergency expense coverage
- Part of Farmers Insurance family
Cons
- Rates higher for older/custom units
- Agent-only quotes
- Limited state availability
Coverage Details
- Specialty coverage for vintage and custom RVs
- Agreed value policies (not actual cash value)
- Coverage for RVs up to 35 years old
- Custom equipment and modifications covered
- Emergency expense coverage up to $750
- Vacation liability protection
- Coverage for bus conversions (skoolies)
Safeco
Bottom Line
Safeco makes financial sense when you're bundling. Their multi-policy discounts (10-25% off) can drop RV insurance costs below standalone specialists.
Pros & Cons
Pros
- Bundle savings up to 25%
- Agreed value coverage available
- Liberty Mutual backing
- Personal belongings coverage
Cons
- Agent-only sales
- Full-timer options limited
- Availability varies by state
Coverage Details
- Multi-policy discounts up to 25%
- Agreed value coverage available
- Personal belongings coverage
- Roadside assistance included
- Liberty Mutual backing (A AM Best)
- Coverage for travel trailers and motorhomes
- Vacation liability protection
National General
Bottom Line
National General is the smart choice for weekend warriors. If your RV sits in storage most of the year, why pay full-timer premiums?
Pros & Cons
Pros
- Lowest premiums for recreational use
- Total loss replacement available
- Easy online quotes
- Flexible coverage options
Cons
- Mixed customer service reviews
- Fewer RV-specific features
- Full-timer coverage limited
Coverage Details
- Lowest premiums for recreational RV use
- Liability coverage up to $500,000
- Collision and comprehensive available
- Total loss replacement option
- Roadside assistance add-on
- A- AM Best rating
- Quick online quote process
Compare All Providers
| Company | Best For | AM Best | Monthly Range | Coverage | |
|---|---|---|---|---|---|
Editor's Choice  Progressive | Full-Time RVers | A+ | $125-$250/mo | Comprehensive | Quote |
 Good Sam Insurance | RV Enthusiasts | A (partners) | $100-$200/mo | RV-Specialized | Quote |
 Foremost | Vintage & Custom RVs | A | $90-$200/mo | Specialty | Quote |
 Safeco | Bundle Discounts | A | $85-$180/mo | Standard | Quote |
 National General | Budget Coverage | A- | $75-$175/mo | Standard | Quote |
