Looking for the right camper and RV insurance coverage types for your motorhome? A comprehensive RV or camper insurance policy includes liability, comprehensive, collision, and uninsured/underinsured motorist coverage. When you're ready, a local independent insurance agent can help you build a policy with the right types of camper insurance coverage. Until then, browse some of the most common RV and camper insurance coverage types below to find out what protection you may need.
Browse Coverage by RV or Camper Type
Below, you'll find links to RV insurance for different vehicle types. RV insurance types for Class A motorhomes, Class B camper vans, converted buses, and mini motorhomes are included. You'll also find camper insurance types for travel trailers, fifth-wheel trailers, toy haulers, truck campers, and pop-up trailers. Start browsing RV insurance coverage options by type to find the right protection for your unique motorhome or camper.
Find out all you need to know about Class B camper van insurance here, including camper Class B insurance costs.
Find out all you need to know about Class A motorhome insurance here, including Class A motorhome insurance costs.
In need of mini motorhome insurance? Find out more information here, including estimates for Class C motorhome insurance costs.
Get all the insider info you need about travel trailer insurance here, including travel trailer insurance cost estimates and more.
In need of fifth-wheel RV insurance? Find out more information here, including estimates for fifth-wheel insurance costs.
How much is insurance on a toy hauler? Find out cost estimates here, along with plenty of other information about toy hauler insurance.
Find all the info you need for how to insure your converted bus. We provide cost estimates for converted bus insurance and more.
Insuring your truck camper? Find the right coverage and cost estimates for truck camper insurance here.
When it's time to get coverage for a pop-up trailer, look no further. Find out more about getting pop-up trailer insurance right here.
Motorized vs. Towable RVs: How Vehicle Type Affects Your Coverage
The RV insurance types you need in your policy depend on which category your motorhome falls into: motorized/self-propelled (e.g., Class A, B, and C RVs) or towable (i.e., travel trailers, fifth-wheels, toy haulers, and pop-up trailers). Motorized RVs require state-mandated liability coverage with the same limits as an auto insurance policy, while towables are protected by the towing vehicle's auto liability coverage while they're hitched.
A full RV insurance policy covers trailers for physical damage. A local independent insurance agent can help you compare motorized vs. towable RV insurance and help you add all the RV and camper insurance you need.
Motorized RV insurance: Class A, B, and C motorhomes
Motorized RVs require state-mandated liability coverage in every state. Class A motorhome insurance coverage averages $600 to $3,000 per year. These policies are more expensive than other types of motorhome insurance due to the higher value of Class A RVs. Additionally, Class A motorhomes benefit from agreed-value coverage and high comprehensive and collision coverage limits to protect their full value.
Class B camper van insurance typically ranges from $480 to $1,000 per year. Class C motorhome insurance costs an average of $540 to 1,500 per year. An independent insurance agent can help you find affordable motorhome insurance in your area.
Towable RV insurance: Travel trailers, fifth-wheels, and toy haulers
Towable RVs don't require their own liability insurance because the towing vehicle's coverage extends to them while they're in motion. However, lenders typically require comprehensive and collision coverage on financed trailers. Here are some average price ranges for the different travel trailer insurance coverage types:
- Travel trailers: $300-$600 per year
- Fifth-wheel trailers: $500-$2,500 per year
- Toy haulers: $400-$1,200 per year
- Pop-up campers: $200-$400 per year
- Truck campers: $300-$600 per year
An independent insurance agent can help you compare quotes for the various fifth-wheel insurance coverage types, toy hauler insurance coverage types, pop-up camper insurance coverage types, and truck camper insurance types.
Standard RV and Camper Insurance Coverage Options
The following are the standard RV insurance coverage options found in most policies:
- Liability coverage: This covers expenses related to third-party claims of bodily injury or personal property damage caused by you and your camper or RV. For example, if someone slips and falls in your RV and is injured, liability coverage could pay for associated expenses. This coverage is required for motorized RVs, but not towable trailers.
- Collision coverage: Pays for damage to your camper or RV from a collision with another object, regardless of fault. For example, if you back your RV into another vehicle, collision coverage could pay for the damage to your motorhome.
- Comprehensive coverage: Pays for damage to your camper or RV due to a non-collision event such as a flood or theft. For example, if your motorhome was stolen from the campsite, comprehensive coverage could help pay to replace it.
- Medical payments coverage: This covers medical expenses for you and your passengers after a collision, regardless of fault.
- Personal injury protection: This covers medical expenses, lost income, funeral expenses, childcare, and other costs if you get injured in a collision, regardless of fault. This coverage is not available in every state.
- Uninsured/underinsured motorist coverage: This covers expenses for accidents, etc., involving other drivers who don't carry adequate insurance to reimburse you for their portion of the damages. It also compensates you if you're the victim of a hit-and-run accident.
Work together with an independent insurance agent to help you assemble an RV or camper insurance policy that includes every type of coverage you need. Your agent can help you review all the RV coverage options to build a complete RV and camper insurance policy.
Additional RV and Camper Insurance Coverage Options
In addition to the standard coverages listed above, you might want to further build out your RV or camper insurance policy with some of the following options:
- Full-time coverage: This coverage is designed for RV and camper owners who also use their vehicles as a full-time residence. It includes similar coverage to a homeowners insurance policy that can reimburse you for incidents related to guest injuries and property damage, as well as higher overall liability and medical payment limits.
- Emergency expense coverage: This covers emergency expenses if your RV or camper breaks down a certain distance from your home and leaves you stranded. Coverage can pay for hotel rooms, travel expenses, and more. This coverage is especially useful for recreational RVers.
- Vacation liability insurance: This covers your RV or camper if it's used as a temporary residence, such as for vacations. Vacation liability RV insurance can reimburse for physical damage and other expenses resulting from collisions and threats covered by comprehensive insurance. This coverage is especially useful for recreational RVers.
- Towing and roadside assistance coverage: This covers expenses for a professional tow or other services if your RV or camper breaks down on the road.
- Loan/lease gap coverage: This covers the difference between your RV or camper's current value and what's owed on your loan or lease if your vehicle is declared a total loss.
- Personal property and belongings coverage: This covers your personal property, such as laptops, furniture, and cellphones, in your RV or camper if it gets stolen, lost, or damaged by a covered peril. This coverage is especially useful for full-timers.
- Pet injury coverage: This covers expenses such as vet bills if your pets (i.e., domesticated animals like cats and dogs) get injured while in your RV or camper.
- Safety glass replacement coverage: This covers the replacement of your RV or camper's windshield if it is damaged or destroyed by a covered peril.
A local independent insurance agent can recommend any additional recreational or full-time RV insurance coverage types you may need to complete your policy.
RV Insurance Cost by Vehicle Type
The cost of RV insurance varies by state, usage, age, driving history, and coverage level. So, how much does RV insurance cost by type? The table below compares the average cost of RV insurance for different vehicle types.
| Type of RV/Camper | Average Annual Cost Range |
|---|---|
| Class A Motorhomes | $600–$3,000 |
| Class B Camper Vans | $480–$1,000 |
| Class C Mini Motorhomes | $540–$1,500 |
| Travel Trailers | $300–$600 |
| Fifth-Wheels | $500–$2,500 |
| Toy Haulers | $400–$1,200 |
| Pop-Ups | $200–$400 |
| Truck Campers | $300–$600 |
An independent insurance agent can help you find affordable RV insurance coverage options by type from a trusted carrier near you.
Full-Time vs. Recreational RV Insurance
Recreational RV and camper insurance typically ranges from $500 to $1,500 per year for standard seasonal policies. Full-time RV insurance coverage types are more expensive, typically ranging from $1,500 to $4,000 per year, on average. Full-timer policies include homeowners-style protection such as personal liability, guest injury coverage, and loss of use.
FAQs About RV and Camper Insurance Coverage Types
What types of insurance coverage does an RV need?
Most RVs need liability, collision, and comprehensive at minimum. Motorized motorhomes require liability coverage in all states, while towable RV coverage requirements vary. Additional RV insurance coverage types include vacation liability, personal property, roadside assistance, and full-time coverage.
Still asking, "What type of insurance do I need for an RV?" A local independent insurance agent can help you get set up with all the right coverage.
How does RV insurance differ for motorized vs. towable vehicles?
Motorized RVs (e.g., Class A, B, and C) require state-mandated liability similar to an auto policy. Towable RVs rely on the towing vehicle's liability while they're in motion, while the RV policy covers the trailer against physical damage. An independent insurance agent can help you compare RV insurance types for motorized vs. towable RV insurance.
How much does RV insurance cost by vehicle type?
The cost of RV insurance coverage varies by type, depending on the kind of motorhome or camper you have. Average rates are as follows:
- Class A motorhomes: $600-$3,000 per year
- Class B camper vans: $480-$1,000 per year
- Class C mini motorhomes: $540-$1,500 per year
- Travel trailers: $300–$600 per year
- Fifth-wheels: $500–$2,500 per year
- Toy haulers: $400–$1,200 per year
- Pop-ups: $200–$400 per year
- Truck campers: $300–$600 per year
If you're still asking, "How much does RV insurance cost by type?", a local independent insurance agent can compare quotes from carriers near you.
Do I need special coverage if I live in my RV full time?
Yes. Full-time RV residents need expanded coverage similar to a homeowners policy, which includes higher liability limits, personal property protection, and guest injury coverage. Standard recreational RV policies typically do not cover full-time use. An independent insurance agent can help you get set up with the right full-time RV insurance coverage types.
Is RV insurance required by law?
Liability coverage is legally required for motorized RVs (e.g., Class A, B, and C) in all states, similar to auto insurance requirements. Towable RVs generally do not require their own liability coverage, but lenders may require standard RV insurance coverage options, including comprehensive and collision, on financed units. An independent insurance agent can help you get set up with all the necessary RV insurance types.
What is vacation liability coverage on an RV policy?
Vacation liability RV insurance coverage protects you when your RV or camper is used as a temporary residence during camping trips. It covers bodily injury and property damage to others that occur at your campsite.
Does my auto insurance cover my travel trailer or camper?
Your auto policy's liability coverage typically extends to a trailer you're towing on the road, but it does not cover physical damage to the trailer itself. A separate RV or trailer policy is needed for collision, comprehensive, and personal property losses on the trailer. Work with an independent insurance agent to get set up with the right travel trailer insurance coverage types in your RV or camper insurance policy.
What RV insurance coverage is best for a toy hauler?
Toy haulers benefit from standard RV coverage plus robust personal property coverage for recreational gear stored inside. Additional toy hauler insurance coverage types include vacation liability and roadside assistance. Higher personal property limits are strongly recommended RV coverage options for higher cargo values.
An Independent Insurance Agent Can Help You Get RV or Camper Insurance
Shopping for RV and camper insurance on your own may be intimidating, especially when considering all the available coverage options. Local independent insurance agents can greatly simplify the process for you by shopping and comparing policies and rates from multiple carriers in your area. They also know exactly which types of coverage to recommend based on the specifics of your RV or camper and how you plan to use it. Better yet, your agent can help you file RV or camper insurance claims if the time comes.
Sources
https://www.teamais.net/blog/rv-insurance-101-types-of-rv-insurance-coverage/
https://www.nationwide.com/personal/insurance/rv/pages/coverage
https://insurify.com/specialty-vehicles/rv/
https://www.rvezy.com/blog/rv-insurance-costs#rv-insurance-costs-by-rv-type