Penny GusnerInsurance Writer and Analyst
Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.
Penny Gusner
Penny GusnerInsurance Writer and Analyst
Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.
Insurance Writer and Analyst
Michelle MegnaLead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.
Reviewed
Michelle Megna
Michelle MegnaLead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.
Lead Editor, Insurance
Reviewed
Published: Jun 28, 2024, 8:59am
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Progressive is the best RV insurance company, followed by American Family and Foremost, based on our analysis. We evaluated RV insurers nationwide and scored them on complaints, coverage options, claims processes and discounts.
An RV allows you to enjoy the open road with some comforts of home tagging along for the ride. Use our findings to help identify the best RV insurance for your specific needs.
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Summary: Best RV Insurance Companies
Editors’ take | Company | Company - Logo | Forbes Advisor Rating | Forbes Advisor rating | Complaint level |
---|---|---|---|---|---|
Best overall | Progressive | ![]() | 5.0 | ![]() | Low |
Best for low level of complaints | American Family | ![]() | 4.5 | ![]() | Very low |
Best for adjacent structures coverage | Foremost | ![]() | 4.7 | ![]() | Low |
Best for discounts | Nationwide | ![]() | 4.2 | ![]() | Low |
Best for collision repairs | Auto-Owners | ![]() | 4.0 | ![]() | Low |
How We Chose the Best RV Insurance Companies
Best RV Insurance
See our picks for the best RV insurance companies and see which may suit your situation.
Best Overall
Progressive
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C
Low
49 states, not available in Hawaii or Washington, D.C.
Editor's Take
Progressive earned our best overall ranking because it impressed us with its wide variety of discounts for RV drivers and offers lots of coverage features that financially protect your RV and belongings. Progressive also has a low level of complaints about car insurance.
Pros
- Discount for being the original owner of your RV.
- Offers pest damage protection and roof damage protection coverage.
- USAA members get a special discount on RV insurance.
- RV insurance quotes are available online.
More: Progressive Car Insurance Review
Cons
- Professional appraisal required to schedule personal items to have a specified declared value.
- Total loss replacement coverage for RVs is not available in all states.
Types of RVs covered
Progressive covers these types of RVs:
- Class A motor homes.
- Class B motor homes.
- Class C motor homes.
- Cargo & horse trailers.
- Conventional trailers.
- Fifth-wheel trailers.
- Pop-up campers.
- Truck campers.
- Utility trailers.
RV insurance coverage options
Options and details of coverage may vary by state, but here are the common RV insurance coverage offered by Progressive:
- Agreed value coverage.
- Disappearing deductible.
- Emergency expense coverage.
- Full-timers liability.
- Full-timers package.
- Full-timers secured storage of personal effects.
- Loss assessment.
- Personal effects replacement cost.
- Pest Protection.
- Pet injury coverage.
- Roadside assistance.
- RV Roof Protection Plus.
- Scheduled personal effects.
- Total loss replacement.
- Trailer coverage.
- Vacation liability.
- Windshield zero deductible.
Discounts
Progressive offers many types of discounts and other ways for RV drivers to save. Not all discounts are available in all states and certain restrictions may apply.
- Advanced quote.
- Association discount.
- Automatic card payment (ACP) discount.
- Claim-free renewal discount.
- Continuous insurance discount.
- Electronic Funds Transfer (EFT) discount.
- Homeowners discount.
- Large accident forgiveness.
- Multi-policy discount.
- Original owner discount.
- Paperless discount.
- Pay in full.
- Prompt payment discount.
- Responsible driver (safe driver) discount.
- Senior safety course discount.
- Small accident forgiveness.
Best For Low Level of Complaints
American Family
4.5
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Collision repair grade
C+
Complaint level
Very Low
Availability
19 states, mainly in the Midwest and Pacific Northwest
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C+
Very Low
19 states, mainly in the Midwest and Pacific Northwest
Editor's Take
American Family stood out in our evaluation for having a very low level of complaints made to state insurance departments about its auto insurance—by far the lowest among the companies we evaluated. This indicates that American Family has good customer service that keeps issues from escalating.
Pros
- Pet injury coverage of $1,000 if your cat or dog is hurt by an issue covered by your policy, such as an accident in your motor home.
- Offers motor home or camper coverage for a rented RV for up to 30 days.
- $1,000 of custom equipment coverage is included, and higher limits are available.
- RV insurance quotes are available online.
More: American Family Car Insurance Review
Cons
- Vacation expense allowance is low at $200.
- Not as many RV coverage offerings available compared to competitors.
- Does not offer full-timer packages for those who use their RV as a residence.
Types of RVs covered
American Family covers these types of RVs :
- Class A motor homes.
- Class B motor homes.
- Class C motor homes.
- Fifth-wheel trailers.
- Folding camping trailers.
- Conventional trailers.
- Recreation/cargo quarters.
- Mounted truck campers.
RV insurance coverage options
American Family has a decent amount of additional coverage features to choose from for your RV, including:
- Accident death and dismemberment coverage.
- Diminishing deductible.
- Emergency roadside service.
- Limited pet coverage.
- Personal property coverage.
- Rental motor home and camper coverage.
- Rental reimbursem*nt coverage.
- RV customization coverage.
- Vacation expense allowance.
Discounts
American Family offers some discounts to help you save on the cost of your RV insurance policy. Not all discounts are available in all states and some restrictions may apply.
- Auto pay discount.
- Defensive driver discount.
- Full pay discount.
- Multi-policy discount.
- Paperless discount.
- Safety features discount.
Best For Adjacent Structures Coverage
Foremost
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C-
Low
Nationwide
Editor's Take
We chose Foremost because of its extensive RV insurance coverage options, including special adjacent structures. This coverage protects sheds, decks, carports and covered porches not attached to RVs. Foremost has been part of the Farmers InsuranceGroup since 2000.
Pros
- Offers full-timers and vacation liability.
- Roadside assistance covers your RV and tow vehicle for anywhere in the US or Canada.
- Pays up to $1,000 if your dog or cat is injured in an accident or at a campsite.
- Won’t cancel your RV insurance policy if you rent out your RV.
Cons
- Few discounts offered.
- Quote form available online, but quotes are emailed in two to three days.
- Is nationwide but coverage for certain types of recreational vehicles is not.
Types of RVs covered
- Class A motor homes.
- Class B motor homes.
- Class C motor homes.
- Luxury motor coaches (excluding Hawaii and Massachusetts).
- Travel trailers (excluding Hawaii and Washington D.C.).
- Fifth wheels (excluding Hawaii and Washington D.C.).
- Campers.
RV insurance coverage options
Foremost RV insurance coverage options include:
- Additional living expense coverage.
- Adjacent structures coverage.
- Diminishing deductible.
- Emergency expense coverage.
- Full-timer liability coverage.
- Personal property coverage.
- Personal property replacement cost coverage.
- Occasional rental, loan or lease of RV.
- Other than collision coverage.
- Pet protection coverage.
- Scheduled medical benefits.
- Stationary travel trailer coverage.
- Total loss settlement.
- Towing and roadside assistance.
- Vacation liability coverage.
Discounts
Foremost has several discounts available to RV owners, which may vary by state and have restrictions, including:
- Airbag discount.
- Anti-lock brake discount.
- Defensive driving course.
- Good student discount.
- Multi-policy discount.
The multi-policy discount is available if you have other policies, such as home or auto, with Foremost, Farmers or another company that is part of Farmers, such as Bristol West.
Great For Discounts
Nationwide
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C
Low
46 states and Washington, D.C.
Editor's Take
We like that Nationwide offers many discounts to help you save. These include price breaks for getting an advance quote, having continuous insurance coverage or being part of an RV club. You can also get discounts for vehicle safety features and completing an RV driver’s safety course.
Pros
- Offers “full-timers” and vacation liability options.
- Full-time RVers can get secured storage coverage.
- SR-22 insurance is available for RV owners in need.
- Provides $1,000 of coverage for custom equipment added to your RV.
More: Nationwide car insurance review
Cons
- RV insurance quotes not available online.
Types of RVs covered
Nationwide insurance covers these types of RVs:
- Class A motor homes.
- Class C motor homes.
- Fifth-wheel trailer.
- Truck campers.
- Travel trailers.
- Pop-up tent trailer.
RV insurance coverage options
Beyond the basic standard RV insurance coverage, Nationwide offers a wide variety of additional benefits, including:
- Agreed value.
- Awning replacement.
- Custom equipment coverage.
- Full-timers package.
- Full-timers secured storage.
- Identity theft.
- Replacement cost personal effects.
- Roadside assistance.
- Safety glass replacement.
- Scheduled personal effects.
- SR-22 insurance filing.
- Total loss replacement cost.
- Towing and labor.
- Utility trailers.
- Vacation liability.
- Vanishing deductible.
Discounts
Discounts available from Nationwide include the following, though they can vary by state:
- Accident-prevention course discount.
- Advance quote discount.
- Anti-theft discount.
- Automatic tire pressure monitoring discount.
- Claim-free renewal discount.
- Good driver discount.
- Homeowners discount.
- Multi-policy discount.
- Multi-vehicle discount.
- Paid in full discount.
- Prior insurance discount.
- RV association discount.
- RV safety course discount.
- Safety features discount.
Best for Collision Repairs
Auto-Owners
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B
Low
26 states
Editor's Take
Auto-Owners is one of our favorites because it earned a B grade from collision repair professionals for its claim processes. That is the best grade among the companies we evaluated and indicates that they have good claims service practices in place.
Pros
- Has a low level of complaints about car insurance filed with state insurance departments.
- Pet medical coverage provides $750 per animal up to $1,500 total if your cat or dog is injured in your RV because of an accident.
- Additional expense coverage pays for rental if you can’t use your RV due to an accident.
More: Auto-Owners Car Insurance Review
Cons
- RV insurance quotes are not available online.
- Fewer coverage offerings compared to competitors.
Types of RVs covered
Auto-Owners covers these types of RVs:
- Class A motor homes.
- Class B motor homes.
- Class C motor homes.
- Travel trailers.
- Truck campers.
RV insurance coverage options
Coverage options can vary by state, but here are the common coverage offered by Auto-Owners.
- Accident forgiveness.
- Additional expense.
- Contents coverage.
- Full timer’s package.
- Pet medical coverage.
- Road trouble service.
- Total loss replacement cost.
- Vacation emergency expense.
- Vacation liability coverage.
Discounts
Auto-Owners offers a good variety of discounts for RV owners. Not all discounts are available in all states and some restrictions may apply.
- Advance quote discount.
- Driver safety program discount.
- Favorable loss history discount.
- Good driver discount.
- Green discount.
- Inside storage discount.
- Mature driver discount.
- Multi-policy discount.
- Paid in full discount.
- Payment history discount.
- RV driver safety discount.
- Safety feature discount.
Things To Consider When Buying RV Insurance
Coverage options and available discounts are two key things to consider when buying RV insurance.
RV Insurance Coverage Options
Basic RV insurance coverage types generally mimic the main types of auto insurance you can buy for your car. That’s because any motorized RV needs at least state minimum vehicle insurance in most states, as it’s considered on par with an automobile.
Many extra coverage options are available to RV owners as needs vary depending on whether you use it for recreational purposes or as a full-time residence. These coverage types—as well as the requirements and specifics—can differ by insurer. Look over the details and ask an agent or research online any questions you have to ensure you buy the options you need and skip the ones you don’t.
Common additional RV coverage options include:
Summary | ||
---|---|---|
Adjacent Structures CoverageOptional coverage for structures at your RV site that aren’t attached to the RV and weren’t part of your RV’s purchase price, such as a shed or deck. | ||
Agreed ValueAgreed value coverage pays a specific agreed-upon amount if your vehicle is totaled or stolen. | ||
Custom Equipment / RV Customization CoverageCovers custom equipment or parts you’ve added to your RV. Other specialized equipment coverage may also be offered to cover items such as your awning or permanent attachments. | ||
Disappearing DeductibleA disappearing deductible reduces your comprehensive and collision coverage deductible by a certain amount over time as you keep a safe driving record (no accidents or violations). | ||
Emergency ExpensesPays expenses you incur, such as lodging, meals and transportation, if your RV becomes disabled and uninhabitable. For instance, if the RV was in an accident and was towed to a repair shop. This may also be called trip interruption coverage or emergency response. | ||
Full-Timer LiabilityProvides personal bodily injury and property damage liability coverage for damage or injuries you accidentally cause others around or in your RV while it’s being used as your primary residence (typically means living in your RV at least six months a year). | ||
Loan or Lease Protection CoveragePays the difference between the remaining amount due on your vehicle loan or lease and the actual value of your RV if it’s declared a total loss due to a situation covered by your policy, such as a fire or theft. It may be referred to as gap insurance | ||
Loss AssessmentPays fees your RV association may charge, such as if you must help pay for storm damages to shared areas. | ||
Personal Property CoveragePays for the loss of personal items contained in your RV, attached to it or used in connection with your RV that are damaged, destroyed or stolen. Upgrading to replacement costs pays out the replacement value instead of a depreciated amount. | ||
Pet Injury CoveragePet injury coverage pays if your cat or dog is injured or killed during an accident or other incident covered by your RV insurance. | ||
Roadside AssistanceTypically roadside assistance covers towing to the closest repair facility if your RV is disabled. It can also include fuel delivery, tire change and jump start. | ||
Scheduled Personal EffectsCovers personal property in your RV you want insured for a specific amount due to its high value, such as jewelry. | ||
Total Loss Replacement CoveragePays to replace your RV with a similar make and model if yours is declared a total loss from a situation covered by your policy, such as an accident or fire. | ||
Vacation Expense AllowancePays up to a certain limit, such as $200, for lodging expenses incurred if your RV becomes inhabitable during your vacation due to an issue covered by your policy, such as an accident. | ||
Vacation LiabilityProvides personal liability insurance, which pays for property damage and injuries you may accidentally cause to others in or around your RV while it is being used as your temporary residence. This coverage is usually for people who don’t use their RV as their permanent residence. |
If you use your RV as your primary residence you can look for special coverages, such as:
- Full-timers package: This coverage typically provides personal bodily injury and property damage liability, medical payments to others and loss assessment coverage. It may also include other coverage. For instance, Nationwide includes emergency lock-out coverage, air bag replacement and shed contents coverage. A full-timers package is usually required if you use your RV full time, while optional for seasonal RVers.
- Full-timers secured storage: Optional coverage for full-time RVers to protect personal belongings if the RV needs to be placed in storage for a period of time. You may be required to store your RV at a commercial storage business where access to the RV is restricted.
RV Insurance Discounts
RV insurance discounts mirror many car insurance discounts and can help you get the best price possible for your policy. Here are common RV insurance discounts to seek out:
Summary | ||
---|---|---|
Advance Quote DiscountGet a quote at least one day before starting your new policy to get a discount. | ||
Anti-Theft DiscountIf your RV has an anti-theft device, such as an alarm, active or passive disabling, theft recovery or VIN etching, you may be eligible for a discount. | ||
Auto Pay DiscountIf you set up automatic funds transfers or electronic recurring payments, you can be eligible for a discount. | ||
Claim-Free Renewal DiscountSave at renewal time if you’ve been claim-free during your previous policy period. | ||
Continuous Insurance Discount/Prior Insurance DiscountIf you’ve previously been insured by another company before starting your next policy, you can earn a discount for continuous insurance coverage on your RV. | ||
Electronic Funds Transfer (EFT) DiscountIf you’re making payments and sign up for the EFT payment method, you can obtain a discount. | ||
Good Driver DiscountIf your driving record is free of major violations and accidents, you can earn a discount. | ||
Homeowners DiscountIf you're a homeowner, you can save. (If you travel full-time in your RV you may not qualify for this discount with some insurance companies). | ||
Multi-Policy DiscountReceive a discount on your RV insurance if you bundle it with another policy from the same company, such as a car, boat, umbrella or life insurance policy. | ||
Multi-Vehicle DiscountGet a discount when you insure two or more vehicles with the same company, such as your car and RV. | ||
Paid In Full DiscountYou’ll receive savings if you pay your entire RV insurance bill at the inception of your policy. | ||
Paperless DiscountSign up for online billing and electronic delivery of policy documents to earn a discount. | ||
RV Association DiscountIf you’re a member of an RV club, such as Good Sam, you may be eligible for a discount. | ||
RV Safety Course DiscountSave money on your RV insurance policy if you complete an approved state RV driver safety course. | ||
Safety Features DiscountSave if your RV is equipped with certain safety features. The requirements vary by insurer and can include features such as airbags and anti-lock brakes or permanently installed engine fire suppression system and automatic shut-off protection system. | ||
Senior Safety Course DiscountIf you’re 55 or older, have completed an approved safety course within the last 36 months and are free of moving violations or at-fault accidents in the last three years, you may be eligible for a discount. |
How Much Is RV Insurance?
The average cost of RV insurance is $1,500 a year, according to Trusted Choice, a group for independent insurance agents. Rates vary significantly depending on key factors RV insurance companies consider when pricing your policy. Cost factors include items such as RV type, usage and coverage choices.
How Does the Type of RV Class Affect Your Insurance?
The type of RV class helps determine your rates because the more expensive your RV, the more you will pay. For instance, the cost to insure a motor home will be more than that of a pop-up camper. This is because the motor home’s value is higher and you’ll need coverage while driving.
The average rate for various classes of RVs are as follows, according to Trusted Choice:
- Class A (biggest and most expensive) average rate is $1,150.
- Class B (smallest and includes travel trailers and camper vans) average rate is $1,000.
- Class C (truck or van base with overhead sleeping like a fifth wheel) average rate is $900.
Factors That Impact the Cost of RV Insurance
Cost factors for RV insurance typically include:
- Age and value of the RV.
- Annual mileage.
- Experience of the driver.
- How frequently you use your RV.
- How you use your RV (for vacation pleasure trips or as a residence).
- RV insurance coverage selections.
- The type of RV you own (including its size and if it’s motorized).
- Where you live.
- Your claims history.
- Your credit-based insurance score (in most states).
- Your deductibles (for certain sections, such as collision and comprehensive).
- Your driving record.
EXPERT TIPS
How To Find the Best RV Insurance
Penny Gusner
Insurance Senior Writer
Ashlee Valentine
Insurance Editor
Amy Danise
Insurance Managing Editor
Michelle Megna
Insurance Lead Editor
Jason Metz
Insurance Lead Editor
Know Your RV Insurance Needs
When shopping for RV insurance, it’s important to understand how much coverage you need. For example, I suggest that you buy higher liability limits than what your state requires to be sure you have sufficient coverage if you cause an accident. And, buying full coverage insurance is essential if you want the most financial protection for your RV.
Penny Gusner
Insurance Senior Writer
Know If You’re a Full-Timer or Not
Be aware that the definition of a full-time RVer varies by company. You’ll want to know if you’re considered a full-timer or part-timer by the insurance company when making choices about your RV insurance coverage. Knowing whether you’re a full-timer or not can help prevent you from being underinsured for your RV lifestyle.
Ashlee Valentine
Insurance Editor
Pick a Higher Deductible
Comprehensive and collision insurance come with a deductible or the amount that the RV insurer will deduct from a claims payout. I recommend choosing a higher deductible—such as $1,000—if you want to trim costs. Your rates will usually decrease because the insurance company has to pay out less for claims. But note that you’ll pay more out-of-pocket when you file a claim with a higher deductible amount.
Amy Danise
Insurance Managing Editor
Ask for RV Insurance Discounts
Many discounts are automatically applied using the information you provided for your quote, but I find it never hurts to ask if you’re eligible for more. For example, you can get a discount by bundling insurance policies—such as your home and RV insurance—with the same company.
Michelle Megna
Insurance Lead Editor
Shop Around
Whether you already have RV insurance or are shopping for your first RV insurance policy, I strongly suggest shopping around to get the best rates.
Start by getting a quote from your auto insurer if it offers RV insurance, as you may qualify for extra discounts. Use that quote as your starting point and compare it with rates from at least three other companies.
Jason Metz
Insurance Lead Editor
Other RV Insurance Considerations
Good Sam RV Insurance
RV enthusiasts know Good Sam for its network of over 2,000 RV Parks in the U.S. and Canada. Good Sam is also an insurance agency that works with top RV insurance companies, such as Foremost, National General, Progressive and Safeco.
We didn’t include Good Sam on our best evaluations because it’s an insurance agency and not an insurance company. However, it may be worth checking out as a place to shop around and get online RV insurance quotes.
Roamly RV Insurance
Roamly is another insurance agency that can be helpful to RV owners. Roamly helps RV owners who rent out their RVs and need an RV insurance policy that permits this activity. Roamly works with companies such as Allstate, Foremost, National General, Safeco, Spinnaker and others.
Methodology
To identify the best RV insurance companies, we evaluated each company based on complaints against the company, coverage options offered, discounts available and collision repair grades from auto body professionals.
Complaints (50% of score): We used complaint data from the National Association of Insurance Commissioners. Each state’s department of insurance is in charge of logging and monitoring complaints against companies operating in their states. RV insurance falls under the auto insurance complaints category, and here complaints tend to center around claims, including unsatisfactory settlements, delays and denials.
The industry complaint average is 1.00, so companies with a ratio below 1.00 have lower levels of complaints.
RV insurance coverage options (30% of score): Any RV insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. But it’s vital to have access to additional coverage types that can provide greater financial protection for your RV and your travels.
RV insurance discounts (15% of score): Offering a wide variety of discounts to help keep costs down on RV insurance is important, so we reviewed what discounts companies have available to RV owners.
Collision repair (5% of score): We incorporated insurance company grades from collision repair professionals. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. CRASH Network’s Insurer Report Card used grades from more than 1,100 collision repair professionals to gauge auto insurers on the quality of their collision claims service.
Read more: How Forbes Advisor rates car insurance companies
Other RV Insurance Companies We Rated
Here are other car insurance companies we analyzed as part of our best RV insurance companies research but did not make our list of top picks.
Company | Forbes Advisor rating |
---|---|
Safeco | 3.5 stars |
Geico | 3.4 stars |
National General | 1.0 stars |
Best RV Insurance Frequently Asked Questions
Do I need RV insurance?
Yes, if your state requires auto insurance, like most do, you’ll need RV insurance for a motorized RV. You drive motor homes on the road, so you’re mandated to have at least state minimum insurance. Trailer-style RVs are typically covered by extended insurance from your auto policy and don’t need their own policy.
Do towed trailers need RV insurance?
If your RV is towable, such as a travel trailer, it usually isn’t required by the state to be insured. However, it’s wise to have liability car insurance for a towable RV in case it’s involved in an incident that causes damages or harm to others, such as you backing the trailer into a parked car.
Check with your auto insurance company to see if liability insurance from your tow vehicle will extend to your RV being towed. Many do.
What is considered a full-timer for RV insurance?
Typically being a full-timer for RV insurance means living in your RV as your primary residence for over six months a year. If the RV is used for less than six months in a year, it’s usually deemed pleasure or recreational use.
However, definitions can vary by insurer, so check before buying your policy. For instance, Nationwide has very specific usage-based definitions. Usage between 0 and 150 days per year is considered pleasure use, and more than 150 days is deemed full-time seasonal. Full-time traveling is when your RV is your primary residence but not stationed at one location, and full-time non-traveling means it’s your primary residence and located in a single location.
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