RV Insurance

A Comprehensive Guide to RV Insurance: Comparing Quotes, Saving Money, and Buying Online

Recreational Vehicle (RV) insurance is designed to protect you from financial losses associated with your RV. This type of insurance is particularly essential given the high cost of RVs and the unique risks associated with them. This guide will help you understand how to compare RV insurance quotes, explore the pros and cons, discuss pricing, ways to save money, and the process of buying RV insurance online.

Comparing RV Insurance Quotes

Comparing RV insurance quotes involves the following steps:

  1. Identify Your Coverage Needs: Consider factors such as the value of your RV, how frequently you use it, and whether you live in it full-time.
  2. Obtain Quotes: Use online comparison tools or contact insurance companies directly.
  3. Compare Coverage and Premiums: Look at the types of coverage offered (liability, comprehensive, collision, etc.), as well as the cost of premiums for each quote.
  4. Check the Insurer’s Reputation: Look at customer reviews and professional ratings to gauge the insurer’s reputation and service quality.

Pros and Cons of RV Insurance


  1. Financial Protection: RV insurance can cover the high costs of repairing or replacing your RV in case of an accident, theft, or other covered losses.
  2. Liability Coverage: If you’re responsible for an accident, RV insurance can cover the costs associated with bodily injury and property damage claims.
  3. Additional Living Expenses: If your RV is your primary residence and it’s unusable due to a covered loss, some RV insurance policies can cover temporary housing and travel costs.


  1. Cost: RV insurance can be expensive, particularly for high-value RVs and full-timers.
  2. Not Always Required: If you own your RV outright, you may not be legally required to have RV insurance. However, going without insurance can expose you to significant financial risks.

How to Save Money on RV Insurance

1. Shop Around: Premiums can vary widely between insurers, so compare quotes from multiple companies. 2. Maintain a Good Driving Record: Insurers often offer discounts to drivers with clean records.

  1. Consider a Higher Deductible: Choosing a higher deductible can lower your premiums, but make sure you can afford to pay the deductible if a claim arises.
  2. Take Advantage of Discounts: Many insurers offer discounts for bundling policies, installing safety equipment, taking driving courses, and more.

Comparisons and Top Companies

When comparing RV insurance providers, consider factors such as coverage options, premiums, customer service, and the insurer’s financial strength. Some of the top-rated RV insurance companies as of my last update in September 2021 include National General, Progressive, and Good Sam.

As with other insurance products, the “worst” companies can vary based on personal experiences and specific circumstances. Always do your own research and consider reviews and ratings from reputable sources.

Agents vs Brokers

Agents typically represent specific insurance companies and can provide detailed knowledge about their RV insurance products. They can offer personalized service but their product range is limited.

Brokers, on the other hand, represent multiple insurance companies and can help you compare RV insurance products across a wider range to find the best one for your needs.

Buying RV Insurance Online vs In-Person


Buying RV insurance online offers convenience. You can get multiple quotes, compare coverage, and purchase a policy from home. However, it’s important to do your research and understand the policy terms, as you won’t have the personalized guidance of an agent or broker.


Buying RV insurance in person provides personalized service. You can get your questions answered, understand policy details, and receive assistance with the application process. However, this method may limit your options and can be more time-consuming.

In conclusion, RV insurance is a crucial protection for your investment and your financial wellbeing. Whether you choose to buy online or in person, through an agent or broker, it’s important to compare quotes, understand the policies, and consider your own needs. Your efforts can lead to significant savings and better protection for your RV.