What Motorhome or RV Insurance is right for you? The answer depends on the type of RV you own. There are different types of policies available depending on the type of motorhome you have and how you use your RV. If the RV or motorhome serves as your full time residence, look into purchasing greater coverage similar to the liability coverage most homeowners purchase. This protects you in case someone is injured on your RV or motorhome property.

Also consider personal property coverage to protect all the belongings in your motorhome. Just as you would want your home policy to include coverage for your belongings, valuables, jewelry and collectibles, your RV insurance policy should include that too.

If you only use the RV seasonally, consider how to insure it when it is not in use and how/where you store it depending on the climate, weather hazards and the risk of theft where you live.

How Much Does RV Insurance Cost?

Your motorhome insurance cost depends on the type of coverage you buy and the requirement of the state you live in. Other factors also include:

  • Where you travel
  • The type of RV you own
  • Your driving record