According to Greg Gerber, “Most car insurance firms don’t have a clue of what can go wrong with an RV and don’t provide the coverage to get it fixed adequately,” which is why he advises consumers to get a separate policy for their RVs instead of bundling, to “avoid the hassle that can come if the RV itself is broken and they’re trying to get their car insurance company to fix it.” 

While not as highly rated in the Apple App Store as apps from Farmers and Allstate, users note that State Farm’s 4.2-star app doesn’t have significant issues with functionality. You’ll be able to view your policy, request roadside assistance, and file a claim. You won’t find more personalized features like Allstate’s QuickFoto capability, but this more basic functionality means that it offers a more straightforward experience for anyone who isn’t particularly mobile-inclined.
Still, regardless of whether your state requires you to have an RV insurance policy, it’s always best to have one if you plan on living in your RV full-time to protect yourself and your vehicle against any damages and covered losses. On the other hand, if you plan on using your RV seasonally or for short trips, then liability coverage might be enough.
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A-MAX is a Texas born and based company helping other Texans save money on automotive insurance. We provide low-cost car insurance, truck insurance, & insurance for all of the vehicles you own in over 17 Texas cities and growing. Since 2002 we've diligently worked to help our fellow Texans find lower cost auto insurance based on their own unique situation. It's your money; we think you should keep more of it for the same auto, car, truck, or SUV insurance. At A-MAX Auto Insurance, we offer low-cost Texas liability auto insurance, towing and roadside assistance, uninsured & underinsured motorist, comprehensive & collision, rental reimbursement, personal injury protection, and medical payments coverage.
Tech-savvy consumers have probably heard of or have been inspired by the “digital nomad” lifestyle, where people have been ditching their office cubicles to work remotely. Social media strategists, photographers, and web designers can all work from the comfort of home, as long as there’s a stable internet connection. Hit TV shows such as HGTV’s Tiny House Hunters and Travel Channel’s Going RV are shining a light on younger couples and families that save money by downsizing to a motorhome for a non-traditional life on the road.
While not all large insurance companies are the same, some of them might be selling insurance policies for vehicles that they do not have much experience covering. RV insurance in particular is offered by many auto insurance companies who may not be well prepared for handling the intricacies of an RV insurance claim. When choosing who is going to insure your vehicle, make sure it is a provider who specializes in RV insurance—regardless of its size—or that at least has a good track record of dealing with RV insurance policies and claims.
State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.
By law, any type of registered vehicle must be insured. Motorhomes, like cars, are required to at least have liability insurance. Travel trailers and other towable RVs, on the other hand, cannot be driven and therefore aren’t required to have insurance. Keep in mind that towable RVs, although not vehicles, are still susceptible to theft, damage from natural disasters, vandalism, and collision, so it is highly recommended for them to still have coverage.
However, there are some circumstances where RV insurance is always required, even if it’s a towable model. For example, if you’re renting or financing your RV, both renters and lenders will want to make sure that they’ll be properly reimbursed in case of an accident or loss, and will require you to acquire an insurance policy before allowing you to take them on the road.
Bus-conversion homes are a popular and fast-growing trend within the RV lifestyle. City buses, Greyhounds, and even school buses are highly sought after and, once renovated, become non-traditional RVs that fall into the Class A category. While bus renovation projects are becoming mainstream, they can be difficult to insure. Buses, especially school bus-converted homes or “Skoolies,” are considered more of a risk due to their weight and balance limitations. Vehicles originally built for mass transportation do not have the same axle and weight distribution as traditional RVs, which are designed for sleeping and carrying additional living necessities.
When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types start here

NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
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.  
We analyzed auto liability insurance rates in each city to identify the top three insurers with the lowest rates. In the table below, we've prepared a list of 78 largest cities in Texas along with the city's three lowest cost insurers and average annual premiums to give drivers a sense of costs. Rates are averaged for a single 30 year old with a good credit score and driving history.
We evaluated each company’s track record with its customers by looking at the available complaint data on online regulatory organizations' pages and by searching for company pages on independent consumer review websites such as the Better Business Bureau. Some companies also provide unfiltered reviews on their own websites, helping to give greater insight into customer satisfaction rates.
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