Best RV Insurance in 2024
There is no shortage of insurance options for campers. With the increasing popularity of RVing, more and more insurance choices are emerging. However, they are not all created equally. Choosing the best option for you depends on factors such as your location, how often you use your rig, the RV itself, and of course, the cost of RV insurance. Best advice, get a few quotes to be sure you are getting the best option!
Before embarking on our RV life journey, we conducted extensive research on RV insurance options. Here is our list of the best RV insurance!
Roamly
Roamly breaks away from the traditional RV insurance mold, offering a variety of plans that cater to diverse needs and lifestyles. Whether you're a weekend warrior embarking on occasional getaways, a full-time nomad living on the road, or an entrepreneur renting out your RV, Roamly has a solution for you.
Weekend Warriors: Enjoy standard personal RV insurance with essentials like liability, comprehensive, collision, medical payments, and uninsured/underinsured motorist coverage. Hit the road with peace of mind knowing you're protected against unforeseen events.
Full-Time Wanderers: Embrace the nomadic lifestyle with full-time RV insurance. This comprehensive plan goes beyond standard coverage, offering protection for personal belongings, temporary housing in case of damage, and even HOA fees if you park at RV sites.
RV Rental Moguls: Rent out your RV on platforms like Outdoorsy without worrying about losing coverage. Roamly's unique policies allow you to share your RV while staying protected, maximizing your earning potential without compromising security.
Commercial Operators: Run a fleet of RVs? Roamly's commercial insurance covers the risks associated with your business, ensuring financial protection. They even offer reduced rates by only insuring the time between rentals, as your customers pay for insurance during rental periods.
Additional Perks:
Flexibility: Customize your policy with add-ons like roadside assistance to fit your specific needs and budget.
Discounts: Military members and those who start their policy early can enjoy attractive discounts.
Technology-Driven Experience: Easily manage your policy and get quotes online with Roamly's user-friendly platform.
Roamly Roadside Assistance
Roamly Roadside Assistance is a comprehensive roadside assistance program designed specifically for RVs. It includes towing, jumpstarts, flat tire repair, lockouts, and trip interruption coverage. Trip interruption coverage reimburses you for lodging and food if your RV needs repair. Roamly also offers optional benefits such as roadside assistance discounts and rental vehicle reimbursement.
Here are some of the key features of Roamly Roadside Assistance:
Towing: Up to 100 miles per tow
Jumpstarts: If your RV battery dies, Roamly will send a technician to jumpstart it
Flat tire repair: If you get a flat tire, Roamly will repair it or replace it if necessary
Lockouts: If you lock yourself out of your RV, Roamly will send a technician to unlock it
Trip interruption coverage: If your RV needs repair and you are more than 100 miles from home, Roamly will reimburse you for up to $100 per day for lodging and food for up to 3 days
Good Sam RV Insurance, with over 50 years of experience, caters to a broad spectrum of RV owners, offering a variety of plans to match your unique needs and lifestyle. Whether you're a seasoned adventurer or a first-time RV enthusiast, Good Sam's commitment to personalized service and comprehensive coverage can provide peace of mind on your travels.
Key Features:
Diverse Coverage Options: From standard liability and collision coverage to full-time RV insurance with personal belongings protection and temporary housing assistance, Good Sam offers plans tailored to your usage and ownership style.
Multi-Carrier Network: They partner with top-rated insurance companies, allowing them to compare quotes and find the best coverage at a competitive price for you.
Discounts: Enjoy savings for bundling your RV insurance with other policies, being a Good Sam member, and having a clean driving record.
Additional Benefits: Enhance your coverage with add-ons like roadside assistance, pet coverage, and vacation liability.
What Sets Good Sam Apart:
Experience and Expertise: With decades of experience in the RV insurance industry, Good Sam understands the specific needs and challenges faced by RV owners.
Focus on RV Lifestyles: They offer specialized coverage for full-time RVers, including temporary housing and belongings protection, ensuring you're covered wherever your journey takes you.
Claims Service: Their dedicated claims team strives to provide efficient and hassle-free assistance in case of an incident.
Community Connection: As part of the Good Sam Club, you'll gain access to exclusive member benefits, events, and resources, fostering a sense of community and support on your RV adventures.
Good Sam Roadside Assistance
Don't let a roadside breakdown derail your RV adventure. Good Sam Roadside Assistance offers comprehensive coverage for various RV types and vehicles, ensuring you're never stranded on the journey.
Key Features:
Worry-Free Towing: Get towed to the nearest qualified repair facility, regardless of distance, with multiple plans covering various tow miles.
Flat Tire Assistance: Whether you need a repair or replacement, qualified technicians are available to get you back on the road quickly.
Jumpstart Service: A dead battery won't stop your fun. Good Sam will send a technician to jumpstart your RV or vehicle.
Lockout Assistance: Accidentally locked yourself out? Don't worry, Good Sam will help you regain access to your RV.
Additional Perks: Depending on your plan, enjoy benefits like fuel delivery, locksmith services, winch-outs, and even emergency medical evacuation assistance.
State Farm, a household name in insurance, offers a reliable and comprehensive RV insurance solution for various motorhomes, travel trailers, and truck campers. Their vast network of local agents ensures personalized service and readily available support wherever your travels take you.
Key Features:
Tailored Coverage Options: Choose from liability, comprehensive, collision, medical payments, and uninsured/underinsured motorist coverage, with customizable add-ons like roadside assistance and full-timer coverage for extensive protection.
Nationwide Coverage Network: With over 19,000 agents across the country, State Farm offers convenient access to local support and claim assistance, no matter where you are.
Reputation for Reliability: State Farm boasts a strong reputation for financial stability and prompt claims handling, providing peace of mind in case of an incident.
Discounts and Perks: Enjoy potential savings through multi-policy discounts, claim-free history rewards, and affiliations like Good Sam Club membership.
What Makes State Farm Unique:
Personalized Service: Local agents provide individual attention and guidance to understand your specific needs and recommend suitable coverage.
24/7 Claims Support: Their dedicated claims team is available around the clock to assist you with any concerns or emergencies.
Financial Strength: As one of the largest auto insurers in the US, State Farm offers financial stability and claims-paying ability you can trust.
Additional Offerings: Combine your RV insurance with other State Farm policies like homeowners or auto insurance for potential bundling discounts and streamlined management.
USAA, known for its commitment to serving military families and veterans, extends its expertise to RV insurance. Their policies cater specifically to the needs of this community, offering competitive rates, comprehensive coverage options, and dedicated support.
Key Features:
Military-Focused Discounts: Active duty members, veterans, and their families qualify for exclusive discounts, making USAA a cost-effective option for many.
Comprehensive Coverage Options: Choose from standard liability and collision coverage to specialized plans for full-time RVers, including personal belongings protection and temporary housing assistance.
Flexible Customization: Customize your policy with add-ons like roadside assistance, pet coverage, and vacation liability to fit your unique needs and lifestyle.
Dedicated Claims Service: USAA's experienced claims team understands the challenges military families face and strives to provide efficient and personalized assistance.
What Makes USAA Unique:
Military Expertise: With decades of experience serving the military community, USAA understands the specific needs and challenges faced by RV-owning military families.
Competitive Rates: Their commitment to serving veterans translates to competitive rates and exclusive discounts for qualified individuals.
Strong Community Connection: As a member-owned organization, USAA fosters a sense of community and support for its members, extending beyond just insurance.
Financial Stability: USAA boasts a strong financial standing, ensuring reliable coverage and claims-paying ability.
Choosing the best RV insurance ultimately depends on your individual needs, budget, and travel style. Explore the different options, considering factors like coverage options, discounts, claims service, and additional features. Remember to compare quotes from multiple providers, read policy details carefully, and don't hesitate to ask questions to ensure you get the coverage that gives you peace of mind on your next RV adventure. Happy travels and we hope to see you on the road!
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