Insuring Your RV: What You Need to Know About RV Insurance
Updated Oct 16, 2026
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When you own an RV, you can travel across the country without worrying about where you’ll sleep each night. Instead of booking hotel rooms and hoping for a good night’s sleep on a mystery mattress, you can crash each evening in the cozy space of your own mobile home.
While RVs offer incredible freedom, they still require proper RV insurance to keep you and your loved ones safe on the road. Keep on reading to learn why.Â
Is insurance required for my RV?
This is one of the first questions many new RV owners ask.
In practically every U.S. state, the answer is yes. New Hampshire is the only state that doesn’t explicitly require RV insurance.  At a minimum, you will need liability insurance, and in some states, you'll also need uninsured and underinsured motorist coverage. Check with your state or ask an insurance agent before traveling across state lines.
Any additional coverage, such as collision and comprehensive insurance limits, is up to you.
Understanding your insurance coverage options
When you speak with an insurance agent or fill out an online form, the coverage you choose determines the total cost of your RV insurance.
The coverage you need depends on the states you plan to visit, your motorhome class, and whether you use the RV full-time or part-time. Your RV's custom features also affect the rate.
When choosing a plan, you can select from several coverage options.
| Coverage Option | Description |
| Liability Coverage | Required in every state. Protects you against legal liability for bodily injury and property damage caused to others. |
| Uninsured/Underinsured Motorists | Required in many states. Covers you and your passengers if an uninsured or underinsured driver collides with your RV. |
| Collision Coverage | Pays for damage to your RV from collisions with other vehicles or objects, regardless of fault (excludes animal strikes). |
| Comprehensive Coverage | Covers non-collision damage, including vandalism, theft, weather damage, fire, and animal collisions. |
| Full-Time RV Coverage | Designed for residents who live in their RV full-time, covering liability for your permanent residence and your personal belongings. |
| Personal Injury Protection (PIP) | Covers medical bills, lost wages, and related expenses for you and passengers after an accident. |
In addition to the coverage you choose, your RV's total value, year, make, and model will determine your insurance premium.Â
Bonus RV insurance tips
When shopping for RV insurance, make sure you fully understand what it covers so you have exactly what you need. These tips can help you choose the right coverage from the right insurance agency.
Pull Multiple Quotes
In many cases, insurance premiums vary widely between companies. The process is similar to shopping for car insurance, so take the time to get multiple quotes.
Additionally, many companies, such as Good Sam, specialize in RV insurance. These insurers understand RV owners' unique needs and often offer perks like coverage for personal belongings inside the RV or discounts at select campgrounds. Big names like GEICO and Progressive also offer RV packages.Â
By comparing multiple quotes, you can save money and find coverage that truly fits your RV lifestyle on the road.
Look for trustworthy customer service
When shopping for RV insurance, pay close attention to the quality of customer service. While almost any insurance agency will be quick to sell you services, make sure they'll be there when you need them. Look beyond efficiency for knowledge and compassion.Â
Think about it like this: if an emergency occurs while you are on your next trip, how easy will it be to contact an agent and get help? If it is hard to reach your agent or a company is slow to respond, think twice before buying insurance through them.
Ask about roadside assistance
As an added bonus, many RV insurance policies include roadside assistance at no extra cost. This can be extremely beneficial in an unexpected breakdown, a roadside flat, or if you lock yourself out of your motorhome.
Even if you already have roadside assistance for your car through a company such as AAA, it may be worth investing in additional RV coverage, since towing requirements differ for Class A and Class C vehicles compared to passenger vehicles.
Talk to Transwest about Your Next RV
We are passionate about helping travelers find the perfect motorhome. Whether you have a large family or you’re a solo adventurer, we have the perfect RV for your needs.
Visit one of our locations to shop our premium inventory of Class A, Class B, and Class C motorhomes, plus luxury bus conversions and Super Class C models.
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