Recreational Vehicle Insurance

Insurance companies who specialize in recreational vehicle insurance, or motor home insurance coverage, offer features specific to the RV that standard auto insurance policies do not offer. A recreational vehicle specific policy is based on how often the vehicle is used, which, most of the time, is not as often as a commuter vehicle. recreational vehicle insurance is usually comparable to an auto policy but provides more protection.

Recreational vehicle rates are usually determined by:

• The state you live in.
• The value of the RV.
• How often it is used.

• Total loss replacement coverage.
• Purchase price coverage.
• Agreed value coverage.
• Disappearing deductible coverage.
• Coverage for personal contents.
• Unlimited towing.
• Roadside assistance.
• Emergency expense allowance.
• Full timer coverage.
• Campsite liability.

Some of the discounts available are:

• Safe driving course.
• Anti-lock brakes.
• Supplemental braking system.
• Anti-theft alarm.
• Member of a motor home club.

When looking into a recreational vehicle policy don't for get to ask about the companion auto coverage that is available. This policy is written specifically for the auto that you tow on your RV. Coverage and discounts may differ according to state and insurance company.

As will all types of insurance, we encourage you to get rates from more than one company or insurance agent. If you would like a quote on your existing insurance from one of our agents, please visit our insurance quote page.

Here are three popular insurance companies that offer RV insurance coverage.
Explorer RV insurance
Progressive RV insurance
Foremost RV insurance