RV & Motor Home Insurance — Class A, B, and C Coverage
Motor home insurance may be required by law for motorized RVs operated on public roads. Beyond the legal requirement, RV-specific coverage may address protections unique to mobile living that standard auto policies may not provide.
Coverage Options
The following coverage options may be available for RV & Motor Home Insurance. Availability, terms, and limits vary by state and policy.
Liability Coverage
May cover bodily injury and property damage you may cause to others while driving your RV or motor home.
Collision Coverage
May help cover repairs after a collision with another vehicle or object.
Comprehensive Coverage
May cover theft, fire, storm damage, and other non-collision perils.
Personal Belongings
Some policies may cover personal items inside the RV such as clothing, electronics, and camping gear.
Emergency Expense Coverage
May help cover lodging or transportation if your RV becomes uninhabitable due to a covered loss while traveling.
Full-Timer Coverage
For those who live in their RV full time, specialized coverage may be available that more closely mirrors homeowners insurance protections.
Who May Need RV & Motor Home Insurance?
Recreational campers, snowbirds, full-time RV residents, and anyone who owns or drives a Class A, B, or C motorhome.
Top 5 Reasons to Consider RV Insurance
- Most states require liability insurance to operate a motorized RV on public roads.
- Motor homes represent a significant financial investment — physical damage coverage may help protect that investment.
- Personal belongings inside an RV are often not covered by standard auto policies.
- RVs used as a primary residence may need full-timer coverage that standard auto policies do not provide.
- Emergency expense coverage may be invaluable if your RV is disabled far from home.
Request a RV & Motor Home Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.