Ray Shakuri

Ray Shakuri

Insurance is a very specific field. If you have cars that fall into separate classes, most insurance companies are likely to have a special policy for them. Consider recreational vehicle insurance, which has many of the same features as renters and car insurance but has its own set of peculiarities. Most insurance providers would not authorize RV owners to add their vehicles to their personal auto policies. To get full coverage, you’ll need to buy a separate policy for your RV.

From motorhomes and fifth wheels to pop-up campers and travel trailers, recreational vehicles or RVs come in all shapes and sizes. RV insurance may or may not be needed, depending on the type of RV you own. Insurance is probably not needed if you tow it. You would almost definitely be required to purchase an insurance policy if you can get it from point A to point B without the assistance of another car. Any car you drive on the road must be insured, even motorhomes.

What is RV insurance?

RV insurance is a contract between you and your insurance provider covering your RV, travel trailer, camper, fifth wheel, and other recreational vehicles. You’ll be able to choose from several coverage options to secure a policy from the best RV insurance companies and give you peace of mind on trips and holidays, as well as if you use it as a permanent home. To stay legal on the road, you’ll need liability coverage if you’re “driving” a motorhome. If you’re “pulling” a travel trailer, though, your state won’t require you to insure the RV because your auto insurance policy already covers liability.

How does RV insurance work?

When you purchase RV insurance, the insurance firm or insurance provider will ask you a series of questions about yourself, your RV, and how much you use it. After that, you’ll choose the coverages that will better protect you and your car. In general, more coverage equates to a higher cost. You’ll file a “claim” with your insurer if you harm your car or are liable for someone else’s damages or injuries. If your claim is protected, they will compensate you for your damages or injuries up to the limits of your coverage.

Types of RV Insurance Coverages

The type of policy you choose will decide what your RV insurance covers. Liability, collision, comprehensive, and other coverage choices are available for RVs. We offer a range of RV insurance coverages for motorhomes, fifth wheels, and travel trailers at All Need Insurance, so consumers in San Diego, San Francisco, Los Angeles and others can get the best insurance rates in California.


When you get a quote for RV insurance, your insurer is likely to ask how many months of the year you’ll be driving in your RV and adjust your premium accordingly. RV insurance supports you when driving, and at the campgrounds you stay at, whether you’re a full-time or part-time RVer.


If you live in your RV full-time and it’s your primary home, your insurance requirements would be different than if you only use it for holidays and weekend trips. If you stayed in your RV full-time, your full-timer coverage would resemble a combination of a homeowners or renters policy and a car insurance policy.


If your full-timers policy does not already provide personal liability coverage, it would be a smart idea to add it for additional peace of mind. Liability insurance is included with most RV policies, but it only protects you for incidents while on the road, not for injuries that occur in or around the RV. Suppose your motorhome or camper RV is totalled. In that case, you can suggest adding an endorsement for repair cost instead of real cash value, which deducts for depreciation, so you don’t end up financially underwater.


Suppose you’re more of a recreational or part-time RV traveller. In that case, it may be a smart idea to add vacation liability to your RV insurance policy as an extra layer of security. While your auto liability includes incidents that occur while driving the RV, vacation liability expands your liability coverage to include accidents in or near the parked RV while on vacation or a road trip.

Standard RV Coverages


Collision insurance covers damage to your RV or motorhome in the event of a collision with another car, regardless of who is at fault. Rollovers in an RV or motorhome are also protected by collision insurance. You can need collision insurance if you finance or lease your car.


Comprehensive coverage, also known as “other than collision,” will help pay for damages to your RV that are not caused by a collision or accident with another vehicle.

Bodily Injury Liability

This insurance covers any harm or injury you cause when driving your RV. It also covers any legal costs incurred as a result of the crash. In most states, this is the only coverage that is required. Travel trailer plans are excluded from coverage.

Uninsured/Underinsured Motorist

This RV policy protects you from drivers who lack liability insurance or the financial means to compensate you, your passengers, or your RV for injuries and damages. This coverage will even cover you in the event of a covered hit-and-run. Uninsured motorist laws vary by state. The extent of coverage is determined by the policy’s coverage requirements and limits. Similarly, if an uninsured or underinsured driver hurts you, we’ll pay for your injuries up to the limits of your contract.

Property damage liability

This coverage helps compensate for damages to another person’s car or property if you cause an accident. Liability insurance is required in most states.

Medical Coverage

If your RV is involved in an accident, medical coverage will help cover medical costs for you and your passengers, regardless of who is at fault.

Optional or Extra RV Coverage

Roadside Assistance

If your motorhome or travel trailer becomes disabled within 100 feet of a road or highway, we will tow you to the nearest repair facility. You’re safe in the event of a mechanical or electrical malfunction, a dead battery, a flat tire, gasoline delivery, or simply getting trapped on the side of the road in snow, mud, or sand.


Vacation Liability

Provides coverage in the event of an accident when the RV is being used as a temporary residence. For any pleasure-use RV that has physical damage coverage under both extensive and collision coverages, we’ll include up to $10,000 in coverage.

Total Loss or Replacement

Insurance firms can replace your RV, motorhome or travel trailer with a brand new one minus your deductible if your RV is totalled in a crash.


For example, if you purchased your RV three years ago for $50,000, it may only be worth $30,000 today. However, since we guarantee the same model year or later, We will pay you $55,000 on your lawsuit, minus your deductible. You can also opt-out to get your defective car replaced and instead obtain a refund for the initial purchase price.


We’ll pay you the amount specified on your insurance policy—minus your deductible—if your motorhome is more than five years old.

Replacement Cost/Personal Effects

This coverage provides compensation for your personal belongings inside your RV up to $99,000. Insurance firms can also extend the coverage to items outside of the RV.

Emergency Expense

We’ll reimburse you up to $750 for transportation and hotel costs if your motorhome or travel trailer is destroyed in a covered incident more than 50 miles from home. For an additional fee, you can upgrade your coverage to $2,000 in coverage.

Pet Injury Coverage

If your cat or dog is hurt in a covered crash, we’ll pay up to $1,000. There is no deductible!


Full-personal Timer’s Liability

This expanded coverage functions similarly to vacation liability if you use your motorhome or travel trailer as your primary residence. If you’re responsible (also known as liable) for accidents in or near your RV, you’re compensated up to $500,000.

Loss Assessment

At All Need Insurance will cover up to $5,000 in charges that your RV association may levy on you. For example, the RV association can require all members to pitch in and pay for damages caused by a hurricane or major storm to common areas (swing set, deck, trails, bathroom facilities, and so on). We’d then cover whatever amount you owe up to the $5,000 limit.

What's not covered by RV insurance?

Exclusions for your RV vary depending on the insurance provider. Travel trailers and other towed vehicles, on the other hand, usually necessitate a separate policy — didn’t we say insurance was specific? Furthermore, if you plan to take your RV outside of the United States and into Canada or Mexico, you should contact us for more information. Although coverage to Canada varies, most insurance providers do not cover Mexico, but you can often add it to the policy for an extra premium increase.

Is There a Difference in Coverage Between Various Types of RVs and Trailers?

In general, if you’re hauling a pop-up camper or a 40-foot motorhome, you’ll want to make sure you’re covered. Motorhomes may need their policy, while travel trailers and campers towed behind a vehicle do not. On the other hand, Trailers or campers may also be protected by a policy to secure the vehicle and personal belongings inside.


Take a look at the list below for a more detailed breakdown of the various types of RVs and the coverage that they require:

  • Class A motorhomes: These are the largest motorhomes, with lengths ranging from 21 to 40 feet.
  • Class B motorhomes: Sometimes called campervans, these are the smallest motorhome type.
  • Class C motorhomes: These are mid-sized RVs with a range of up to 33 feet.
  • Traditional/fifth-wheel trailers: These have more living space and are towed behind a truck. If you have a comprehensive auto plan, separate coverage might not be necessary, but it should still be considered.
  • Pop-up campers: These are trailed behind another vehicle and provide an expandable living room. You may not need coverage, but it is worth considering to protect the camper and your personal belongings inside it, just as it is with travel trailers.

How is RV Insurance Priced?

RV insurance pricing is based on risk, much like other forms of insurance. What are your chances of filing a claim, and how much would it cost to fix or replace your RV or trailer? Here are several variables that will influence how much you pay:


Type: Insuring a large, state-of-the-art motorhome costs more than insuring a smaller, used RV. Class A motorhomes are usually more costly to insure than Class C motorhomes due to their larger size and higher cost. Similarly, insuring a traditional travel trailer is typically more expensive than insuring a truck camper.


Usage: The more you use your RV, the more you’ll have to pay for insurance. If you live in your RV full-time, you pose a greater risk to your insurer than someone who only uses it for a few weekends a year.


Driver Experience: Driving a motorhome is a very different experience from driving a car. RV drivers with more experience would pay less for insurance than inexperienced drivers because adapting to a larger vehicle, different blind spots, and difficult turns take time.

Benefits of Having RV Insurance

Many people dream of going on a trip and seeing the countryside. When you’re ready to do this, buying your RV is a fantastic way to do it. While an RV can be a fantastic investment and asset, it also carries a great deal of responsibility. Having insurance for this vehicle is extremely important for those in the San Diego, San Fransico, Los Angeles, California region, as it can help you in various ways.

It Safeguards Your Asset

When you buy a recreational vehicle, you’re buying something that was most definitely a significant investment. As a result, it is always a good idea to cover it with an insurance policy. When you purchase RV insurance, you will be covered not only for the recreational vehicle but also for any belongings inside. This will come in handy if you are involved in an accident that results in a loss.

Ensures Liability Protection

If you are going to drive an RV, you should also be aware there is some risk of liability whenever you are on the road. If you buy an RV insurance policy, you will be covered for liability. It will mean that if you are found to be at fault for an accident that results in damages, you will be able to pay any financial restitution.


California RV owners will benefit immensely from speaking with All Need Insurance about their RV insurance options. You will read more about how RV insurance can benefit an RV owner by contacting All Need Insurance.

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