Over the nearly fifty years since it started offering its services to RV owners, the Good Sam Insurance Agency has prided itself on providing consumers an excellent customer experience. The company’s agents are extensively trained to ensure that every customer finds the type and level of coverage that best fits their RV lifestyle, but also that they get treated with the utmost respect and friendliness.
One of Progressive’s add-on coverages includes a “disappearing deductible” option. This means that each year you don’t file a claim, Progressive will drop your rate by 25%. With this method, the company boasts that you could eventually have a $0 deductible. But it only stays this way as long as you haven’t filed a claim — if you do, your deductible will go right back up. Safeco also incentivizes safe driving with low deductibles. Safeco will reduce your collision deductible by $100 each year you don’t have a claim, but this incentive caps at $500.
Nationwide’s coverage options make it easy for part-time RV users with accessorized RVs to get the support they need. Besides basic coverage, Nationwide also insures personal belongings and sound systems. If you’ve tricked out your RV especially for vacation, Nationwide has you covered there, too: It provides roadside assistance, rental reimbursement, emergency expenses, and vacation liability for personal injuries.
We take pride in giving you the specialized RV insurance coverages that ordinary auto insurance doesn’t provide. We understand the RV lifestyle, and have designed features and benefits to give you security, flexibility and affordability. And if you do need to make a claim, we have exceptional RV protections like Optional Full Replacement Cost Coverage1 and a staff of knowledgeable RV claims professionals to ensure your complete satisfaction.

Safeco’s coverage options include some less common offerings that may appeal to RV owners with more particular concerns. Along with Progressive, Safeco is one of the only insurers to provide pet injury insurance, along with total loss replacement for your RV in the event of an accident. On top of the original price of your RV, Safeco can also insure any custom AV equipment or decorative additions, such as a speaker system, TV, special flooring, wheels, or decals.
When judging coverage and benefits, we singled out RV insurance carriers that offered extensive and flexible coverage options. To be considered for our list, companies had to provide all the traditional insurance protection, as well as a healthy amount of RV-specific options. Most RV insurers offer liability, personal injury protection (PIP), collision, underinsured or uninsured motorist, and comprehensive coverage. Other types, such as full-timer and Mexico coverage, vary in availability from company to company.
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