RV and trailer insurance

RV and trailer insurance is a specialized policy that covers motorhomes, travel trailers, fifth wheels, and campers against risks like collision, theft, fire, and liability. Standard policies include bodily injury liability and property damage liability; for example, Progressive offers $50,000 minimum coverage per accident, as declared by YourInsurance.info.

Comprehensive coverage pays for non-collision damages such as hail or vandalism; in 2022, the average claim for comprehensive RV loss was $3,500 (National General). Full-timer’s insurance provides higher personal liability limits if you live in your RV year-round–GEICO sets this at up to $500,000.

Personal belongings inside an RV or trailer are protected up to specified limits; Allstate caps this at $5,000 per incident. Many insurers offer roadside assistance add-ons covering towing and tire changes; Good Sam reports over 1 million annual service calls from members with these plans.

Coverage requirements vary by state–for instance, California mandates minimum liability of $15,000/$30,000/$5,000 (bodily injury per person/total/property damage). Premiums depend on factors like vehicle type and usage frequency; according to ValuePenguin’s 2023 report, average annual premiums range from $250 for towable trailers to $1,200 for Class A motorhomes.