Full-time RVers can enjoy coverage similar to that of homeowners insurance through the Good Sam Insurance Agency’s specialized protection plan for full timers or first-time weekend RVers. Full-Time Insurance goes above and beyond what traditional Auto Insurance policies can protect because it covers a number of other incidents and situations that regular RV insurance does not.

For this review, we focused on national providers and left out any companies that only insure RVs locally. Odds are, national insurers are able to provide coverage no matter where you are in the U.S., and they are more likely to have the financial strength to support you. If you’re trusting a provider to come through when you’re most in need, it’s reassuring to have a company with years of experience and a history of financial success at your back.
National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles, but Baby Boomers are particularly well positioned to capitalize on them. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. National General also offers homeowners discounts that are easy for them to qualify for, as Boomers are more affluent than other generations on average and thus more likely to own a house and additional vehicles.
Choosing the lowest price/inadequate coverage. The lowest prices will typically leave you vulnerable on the back end; should an accident or collision occur, your lower premium will require you to spend much more out of pocket. The same goes for inadequate coverage. Specifically, don’t cut corners when it comes to liability coverage; instead, shop around for the provider that will protect you most while also catering to your needs, lifestyle, and budget.

National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles, but Baby Boomers are particularly well positioned to capitalize on them. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. National General also offers homeowners discounts that are easy for them to qualify for, as Boomers are more affluent than other generations on average and thus more likely to own a house and additional vehicles.
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RV Insurance companies take these type of risk factors into account, which makes it more difficult for bus-conversion homeowners to find the best coverage. Also, buses first need to be registered as RVs with the department of motor vehicles beforehand. If not, they’re still considered commercial vehicles instead of personal, and will not qualify for RV insurance. Different states have different requirements as to what qualifies as an RV, many of which include repainting the bus a different color, having a potable water supply, installing a toilet, and having cooking appliances onboard.
Traditionally, motorhomes have been very popular among baby boomers who take advantage of their retirement to travel and vacation. The Recreation Vehicle Industry Association estimates that 750,000 to one million retirees consider an RV their home. For many of these older RVers, their love of the outdoors stems from childhood camping and family trips.  

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Though Safeco’s app boasts a high 4.7 rating with over 5,000 ratings in the Apple App Store and an average 4.1 rating in Google Play, the reviews tell a different story. The most common complaint is that the app simply redirects you to the Safeco website, which is poorly formatted for mobile use. Many reviews also report that the app routinely crashes, which frustrated customers enough that they deleted the app and used their computers to access the Safeco website. The company has responded to say that it is actively working on improving functionality and adding offline features, but in the meantime, it’s likely that using the app is a frustrating experience.

The best RV insurance is affordable, comprehensive, and flexible according to your needs. Because your RV functions as both a home and a car, insurance policies resemble a combination of home and auto insurance — and consequently, they tend to be somewhat more complex and expensive. Policy price will vary depending on your location, class of RV, age and condition of the vehicle, frequency of use, and more. We dig into the pros and cons of several stellar providers below, although RV insurance prices vary based on specific location and situations. We recommend getting quotes from multiple companies to see which offers you the best quote.
The numbers we cite above are reflective of a 30 year old male driver who has a clean driving record and is single. Your own rates will change based on your own driving history and profile. The best way to determine who will give you the most affordable auto insurance is by comparison shopping. To start looking at car insurance quotes, put your zip code in one of the two boxes up top.
Most car insurance providers will offer to include your RV as part of your auto insurance policy, as such you will get traditional car insurance coverage. This will include bodily injury and property damage liability coverage, personal injury protection, collision, comprehensive, medical payments, and uninsured or underinsured motorist coverage, which essentially protects you against accidents and physical damage while on the road. (For a more detailed explanation of coverage see below.)  
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
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Though Safeco’s app boasts a high 4.7 rating with over 5,000 ratings in the Apple App Store and an average 4.1 rating in Google Play, the reviews tell a different story. The most common complaint is that the app simply redirects you to the Safeco website, which is poorly formatted for mobile use. Many reviews also report that the app routinely crashes, which frustrated customers enough that they deleted the app and used their computers to access the Safeco website. The company has responded to say that it is actively working on improving functionality and adding offline features, but in the meantime, it’s likely that using the app is a frustrating experience.

Regardless of how often you use your RV, Safeco is worth a look. Safeco offers coverage for anyone who lives in an RV fewer than 250 days (about eight months). While this won’t cover policyholders who live in their RV full-time, it serves as a nice middle-ground for people who only plan to store their RV away during the winter months, for instance.


Personal Injury Protection covers you and your passengers in the vehicle, without any standard deductible to pay before it pays out. It can cover the hospitalization and rehabilitation for you and your passengers, up to the policy limits that you choose. PIP only applies towards medical expenses, not any property damage. PIP also covers substitute services if the auto related injuries prevent you from performing your standard household tasks.
If you’re drawn to the minimalist and tiny home movement, or simply enjoy traveling for a living, you’re probably interested in buying an RV. Travel trailers are still the most popular and common RVs, with many families opting for the larger, bus-sized motorhomes. Whichever you decide, it’s beneficial to analyze your family’s individual needs and weigh the pros and cons. 
A good number of quotes to compare is three. If you already know three companies whose RV insurance you are interested in, go through each of their quoting applications. Then, compare the final estimated premiums and the features of its policy: maybe company A’s policy is cheaper overall, but company B’s offers greater coverage for a slightly more expensive price.

RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns. To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.
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Full-time RVers can enjoy coverage similar to that of homeowners insurance through the Good Sam Insurance Agency’s specialized protection plan for full timers or first-time weekend RVers. Full-Time Insurance goes above and beyond what traditional Auto Insurance policies can protect because it covers a number of other incidents and situations that regular RV insurance does not.
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