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RV Insurance

Insurance for your RV, travel trailer, or camper.

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

• Motorized RV insurance
• Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

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We offer convenient payment methods and plans :

• Pay online, over the phone, or by mail
• Choose to pay in full or in installments

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Take care of your RV insurance with an online account :

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RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

• Total loss replacement
• Replacement cost personal effects
• Vacation liability
• Emergency expense coverage
• Special windshield deductible
• Recreational vehicle medical payments coverage
• Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

• Conventional travel trailers
• Fifth-Wheel travel trailers
• Folding camper trailers
• Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

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RV Insurance: Get the answers you need.

• Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
• How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
• What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Travel Trailer Insurance

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Travel Trailer Insurance Overview

Did you know that your car insurance will only offer liability coverage while you’re driving? That means you’re on the hook for the cost of any damage or replacement in the event of an accident. While you can add your travel trailer to your home insurance, this coverage is often insufficient and you’ll likely see a big increase in premiums. That’s where travel trailer insurance comes in.

Protect Your Trailer

Customized Policies Your trailer should carry its own coverage, and we can customize your policy based on your usage. Whether you are a snowbird, a full-timer, or just a summer vacationer, we will work to provide coverage that best suits your needs.

Personalized Reviews No two trailer policies are the same—different limits, different locations, and different needs. Our free, personalized review helps determine the right coverage for you, at the right price.

Help with Claims If you must file a claim, we will be your advocates to guide you through the process.

Key Features

Personal belongings coverage.

Your homeowner’s or renter’s insurance doesn’t cover belongings kept in your trailer year-round. This coverage applies to personal property that would otherwise go uninsured.

Emergency Vacation Expense

If an unexpected breakdown or event causes you to file a claim while on your trip, you will be covered for the repair and any other incurred expenses so that you can enjoy the rest of your vacation.

Sheds and Decks

Detached structures such as sheds and decks must be covered but may not be under your homeowner policy. This customized policy covers these, as well as other trailer accessories such as awnings, satellite dishes, and generators.

Guaranteed Replacement Cost In the event your RV is written off, this depreciation-free coverage buys you a new, comparable trailer, rather than just reimburse at your RV’s current value.

Roadside Assistance This option pays for towing if your vehicle suffers a breakdown, offers 24/7 telephone assistance, and provides other emergency roadside services anywhere in Canada or the continental United States.

Full-Timer’s Coverage Full-time RV residents encounter many unique insurance decisions. Our insurance advisors can describe these considerations so you have the right coverage before you hit the road.

Additional Info: RV Direct offers a variety of RV insurance options , including comprehensive travel trailer coverage. However, if you’re looking for specialized mobile home insurance in Alberta , we recommend exploring our dedicated service page for tailored protection plans.

Areas We Serve

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RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

• RVs with more than four wheels.
• Drivers not listed on your policy.
• Rentals longer than 30 days.
• The full value of the RV.
• Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

Call Progressive.

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RV insurance

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Coverage for the open road

Types of rv insurance, motorhome insurance.

Motorhome insurance includes coverages for Class A, B, and C motorhomes that meet state laws and protect your home on wheels inside and out.

Trailer Insurance

Trailer insurance covers a wide-range of non-motorized RVs, including conventional travel trailers, fifth-wheels, pop-up campers, and toy haulers. Additional coverage may be required for open-top trailers, such as utility trailers or flatbed trailers, or closed-top trailers, such as cargo trailers or horse trailers.

Fifth Wheel Insurance

Fifth-wheel insurance is a type of trailer insurance designed for 5th wheels, often covering specific features like the hitch assembly.

Full-Time RV Insurance

Full-time RV insurance provides additional coverage for trailers and motorhomes used as a permanent residence for more than half the year.

What you need to know about RV insurance

Coverage & policies, get rv insurance today.

By clicking "get a quote" you will leave Allstate.com and be directed to the National General (an Allstate company) website*

How to compare RV insurance quotes

Choose your coverage, consider your limits, select your deductibles, travel trailer and motorhome insurance that's customized for you.

RV insurance typically covers the following types of homes-on-wheels:

• Towable RVs RVs that don’t have their own engine must be towed when moving locations. These include folding camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers, horse trailers with sleeping quarters and travel trailers with expendable ends.
• Motorized RVs Often called motorhomes, these self-reliant RVs do not need to be towed, are built on automotive frames and can sleep up to eight people.

Do you need insurance for your RV?

You're required to have insurance for your motorhome. Minimum liability requirements vary from state to state, with many states requiring you to have extra coverage for protection against uninsured or underinsured drivers.

Is insurance required for a travel trailer?

Generally, insurance is not required on trailers since liability coverage is typically extended to the trailer when attached to the vehicle towing it.

Tour your available RV insurance discounts

Save money for traveling with RV insurance. Enjoy discounts based on how you pay your bill if you own a home and more.

see RV discounts

RV insurance FAQs

How much does rv insurance typically cost, do i need insurance on my rv if it isn’t being driven.

Check your state’s insurance laws before removing liability coverage on your RV. While some states allow storage without any coverage, others require the owner to turn in the RV’s plates if liability coverage is removed.

If there is a loan on your RV, check with your lender before removing collision coverage.

You may want to consider holding onto your comprehensive coverage year-round, even when your RV is not in use. It can help cover fire, theft, and other non-collision damages while your RV is in storage.

If I have a loan on my RV, can I remove coverage?

You should check with your lender to make sure you maintain the required coverage on your RV.

Is roof damage or a roof leak covered?

It depends. If you have comprehensive coverage on the RV and the roof is damaged by a covered peril, like a tree falling on the roof, there is coverage. But there is no coverage for general wear and tear or lack of maintenance. Depending on the state, we offer optional Roof and Pest coverages that provide additional protection.

What’s the difference between motorhome and travel trailer insurance?

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How to Find Free RV Insurance Quotes

It’s great fun driving a recreational vehicle along a wooded trail, although you never know what’s around the next bend. Protect your investment and your financial well-being by getting the coverage you need. It all starts with finding RV insurance quotes and taking time to evaluate your coverage options.

A local independent agent in our network can simplify this process for you. These agents have access to multiple insurance companies and will provide several different motorhome insurance quotes. 

You can get all of your questions answered about the best recreational vehicle insurance for your needs. Contact a local agent today.

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

Find Accurate RV Insurance Quotes for Your Needs

When you’re on the hunt for quotes that will fully protect your motorhome, remember these tips from insurance professionals:

• Compare quotes from several reputable insurers
• Make sure you get adequate coverage, not just low cost coverage
• Ask your agent for ways to save, such as bundling your car and travel trailer insurance
• Ask your agent about available RV insurance discounts

Finding coverage that is right for your needs and budget should be easy. Make sure to take the guesswork out of this process by working with an independent agent in our network.

Information Agents Need to Get Accurate RV Insurance Quotes

To get the most accurate and reliable motorhome insurance quotes, discuss your needs with a knowledgeable insurance agent. An independent agent in our network will take time to discuss your needs with you and provide the information you need to make an informed choice. 

The agent will need several different pieces of information to help you compare RV insurance quotes, such as:

• Information about you, your driving record, and the RV you want to insure
• Information about others who may drive the motorhome
• The type and extent of coverage you want to protect your vehicle

Your agent can you the most accurate RV insurance quotes if you provide a very clear picture of your use of the RV and what you need to protect.

Considerations When Looking for Motorhome Insurance Quotes

There are several types of motorhome insurance coverage you can get for your recreational vehicle. A standard policy will provide basic collision coverage as well as liability insurance. 

These two coverage options will protect you if you are responsible for an accident that causes injury to another person or damage to their property. Additionally, you may want to consider:

• Comprehensive coverage to pay for non-collision damage to your RV, including theft, fire and vandalism
• Increased liability limits to protect your assets in a lawsuit
• Personal effects coverage for the belongings you carry on board your RV
• “Full time” coverage, if you will be using your RV as a full time residence
• Storage coverage, if your RV will be in storage for an extended period, such as the winter months
• Uninsured/underinsured motorists coverage, in the event that you are in an accident caused by a driver who does not have the coverage needed to pay your expenses
• Roadside and towing assistance in the event of a breakdown

A local independent agent in our network agent will be happy to explain the various options and help compare RV insurance quotes from several different companies to find the right coverage to meet your needs

RV Rental Insurance: Why You Need it And What It Covers | Money

R enting a recreational vehicle remains popular, not least due to the trends to higher hotel costs and lower gas prices compared with the pandemic levels for both expenses. (Gas prices really count for RVs, since they can travel as little as 4 miles on a gallon of gas, according to rental site RVShare.)

But before you get the keys to one of these hotel-rooms-on-wheels, be aware that RV rental insurance can be more complicated – and a lot pricier – to get than coverage for a rental car. Insurance can add upwards of $20 per day to your RV rental costs if you find you aren’t covered by your car insurance at home. And some strategies to eliminate or reduce the cost of insurance for rental cars don’t work for rental RVs; for example, it’s very unlikely you can rely on free coverage through using a particular credit card.

Here’s what you need to know about insuring your mobile home-away-from-home, including tips on finding and buying from the best RV insurance companies.

Table of Contents

• How does RV rental insurance work?
• What does RV rental insurance cover?
• How to get RV rental insurance
• What to consider before choosing RV rental insurance
• What is the average cost of RV rental insurance?
• 5 tips for finding the right RV rental insurance
• What are the best RV rental insurance companies?
• Frequently asked questions
• How we chose the best RV rental insurance

How does RV Rental Insurance Work?

Like rental car insurance, RV rental insurance offers temporary insurance coverage while driving an RV, camper van or travel trailer. You can buy RV insurance through your RV rental company if your regular auto insurance doesn’t already cover it, at least in part.

Some rental companies let you choose your level of coverage. They then bundle the cost of your insurance policy with your daily rental cost, so you don’t have to worry about making multiple payments.

Because RVs are generally larger and come with more hazards than standard cars, comprehensive coverage is typically more expensive for these vehicles than for a rental car —$70 per day or more, in some cases. Still, renting a small RV is one of the cheapest ways to take a road trip , so that extra insurance cost may be well worth it in the long run.

What does RV Rental Insurance Cover?

RV rental insurance policies cover physical damage to the vehicle while you’re renting it. They also cover your liability if you get into an accident while driving — meaning you won’t have to pay out of pocket for damage caused to another driver’s vehicle. Here’s an overview of what to expect from your RV insurance coverage:

Basic liability coverage is required whenever you rent a car or RV. Each state has its own minimum liability coverage requirements, so you’ll need at least the amount of coverage required in the state where you rent your RV.

The most basic coverage could leave you vulnerable

The most basic RV insurance, whether added by the RV agency or bought by you, generally provides only the state minimum levels of liability. Those levels likely offer less protection than your auto insurance policy and less than experts such as Consumer Reports and the Insurance Information Institute recommend.

An RV has more components that you could damage than a typical car. If you pay for comprehensive coverage on top of collision and liability protection, confirm that it will cover you for, say, fire and smoke damage should you start a fire with the RV’s stove.

To avoid being underinsured, consider increasing the liability you carry on the RV, despite the additional cost. Moving up from the state minimums to a more-than-ample $1,000,000 in liability costs an extra $14.95 a day with MBA Insurance. RVshare’s basic coverage is included in its rentals but only to state liability minimums of up to $100,000, according to the insurer’s website. Stepping up to the Preferred package triples the liability coverage to $300,000 (an amount many experts recommend) but requires you to pay an additional $21 and up a day in premiums.

Your home insurance should cover your personal possessions

As when renting a car, the items you bring from home to the RV should be protected by your homeowners or renters insurance . So you should be made whole if items are stolen or damaged while in the vehicle.

Some caveats do apply to such protection under your home insurance. For starters, the same deductible — likely of $500 or more — applies just as it would as for any other claim under your policy. That means you’ll get little or nothing back unless the value of what’s stolen is substantial.

Also, keep in mind that as with a claim for a loss at home, making a claim for personal items lost during an RV rental could risk an increase in your home insurance premium when you renew. Also, you might face limits on the coverage of valuable items such as jewelry under your home policy, unless you’ve added extra-cost policy “floaters” or “endorsements” for those items.

You can also protect yourself by buying a stand-alone travel insurance policy, which will cover theft of your belongings together with other perils, such as trip cancellation due to accident or illness. A policy typically costs 5% to 12% of the trip’s cost, according to travel expert Rick Steves. He recommends considering if you really require coverage and, if so, making sure that the policy you buy covers your most valuable possessions.

How to get RV Rental Insurance

There are a few different ways to get RV rental insurance: through the rental company, through your auto insurance company or through a third-party insurer. Here’s what’s involved with each.

1. Through the rental company

If you aren’t covered by your own car insurance, you can buy a policy for the RV as an add-on during the rental process. Chances are you will rent your RV from either a commercial rental business or through sharing sites such as RVshare or Outdoorsy. Either way, if you lack your own insurance, you will likely be offered it as part of the transaction. Rental platforms like RVshare can bundle your insurance cost with the daily cost of your rental.

2. Through your auto insurance provider

Before you buy an RV insurance policy from your rental company, check that you aren’t already covered by your auto insurance. Car renters benefit from their auto insurer extending much of the same coverage to the cars they rent as to the vehicles they own. While not all companies allow such coverage for an RV, it’s worth a call to your insurance company to find out.

Even companies that allow it may not do so in all states or for especially long rentals — say, of more than a month. Companies that generally extend coverage include USAA, according to a spokesperson, and State Farm, which allows coverage of an RV in most states under your auto insurance for up to 30 days with no advance notice required, according to public affairs senior specialist Anna Bryant.

However, you should confirm that your collision coverage will extend to the full value of the RV, which will very likely be more than the value of your own car. State Farm is among the insurers that offer this extension, says Bryant. “We understand there may be times we could end up settling a claim on a rented vehicle for more than we would for an owned vehicle.”

3. Through a third-party insurance provider

Some agencies and sharing sites simply arrange to send their renters over to an RV insurance company with whom they contract, such as MBA Insurance. There, the renter selects and pays for the level of coverage they want.

If you’re renting your RV from an individual RV owner on Outdoorsy or another site, they might offer temporary coverage and roadside assistance through a platform like Roamly, which covers the renter and owner together.

What to consider before choosing RV Rental Insurance

Before you start shopping for RV insurance, here are a few important considerations to keep in mind.

1. Insurance requirements

Ensure you’re clear on the insurance requirements in the state in which you’re renting the RV. These requirements might be different from those in your home state. The basic insurance plan offered by your RV rental company should meet local bodily injury liability and property damage liability requirements.

2. The value of the RV

If you get into an accident and your insurance coverage is lower than the cost of damages to your RV, you might be liable to pay the difference. That’s why it’s essential to know your vehicle’s value and insure yourself accordingly.

If you’re renting a pop-up trailer or fifth wheel, the value of your rental is probably lower than a Class C RV or camper van. Talk to your rental company about the value of your RV before committing to a plan.

3. Deductibles

Along with choosing your level of coverage, you must select your deductible. A higher deductible can sometimes mean a lower premium. However, you will have to pay that higher amount in case of an accident, so you shouldn’t consider a low deductible as an easy way to cut costs without giving through to how much you could actually afford to pay if the worst were to happen.

4. Additional coverage options

Your RV rental company or third-party insurer might offer additional coverage options, such as towing and labor, roadside assistance, glass replacement and more. Additional coverage isn’t required to rent your RV, but it might provide more peace of mind as you set out on your road trip.

What is the average cost of RV Rental Insurance?

On average, RV rental insurance costs between $15 and $30 per day, but it could be many times higher than that, depending on the extent of coverage and the value of your RV.

Factors that affect RV insurance cost

Determining the cost of your RV insurance policy are a number of considerations, including:

• The type of RV (Class A, B or C, or a travel trailer). Class A motorhomes generally have the highest insurance premiums, while a policy on a tent trailer or fifth wheel is generally more affordable.
• The age of the RV
• State minimum liability requirements
• Your driving record
• Any add-on coverage you choose
• The deductible you select

5 tips for finding the right RV Rental Insurance

You can’t skip the need for insurance if you’re renting an RV. But you can take some time to compare your options and ensure you’re getting the best coverage for your trip, experience and budget.

1. Check with your auto insurer first

Before you buy an insurance policy from your RV rental company, check with your auto insurer. Chances are high that you’re covered under your normal auto insurance, although the odds drop significantly if you’re renting a larger RV (that weighs more than 12,000 lbs) or for a period of 30 days or more. Your insurance company might also offer additional temporary coverage for the length of your trip.

2. Know the value of your RV

Even if you haven’t picked out the exact RV you want to rent, you should know your vehicle’s class and estimated value before you start comparing policies.

3. Consider your priorities

If you need to pay for coverage, are you prepared to pay a higher deductible for a lower premium? What add-on coverage, if any, do you want for your trip? Review your options and ensure you know the type of coverage you’re looking for before requesting a quote.

4. Get quotes from multiple providers

Whether you’re buying insurance from a rental company or a third-party provider, ask for an insurance quote before you buy your policy. Comparing quotes can help you get the best deal for the coverage you’re looking for.

5. Make sure your personal possessions are covered by your home insurance

Adequate coverage is about more than the RV itself. Check whether your homeowners or renters insurance provider will cover loss or damage to your personal items while you’re on the road.

What are the Best RV Rental Insurance Companies?

Plenty of companies that offer auto, home and travel insurance also offer RV rental insurance. Here’s a quick breakdown of three popular RV insurance providers.

Keep in mind that these are third-party providers. You should compare quotes from these companies with your rental company’s policy to make sure you’re getting the best deal.

• Nationwide: Multiple discount options available, optional towing coverage, and the option to bundle with your auto or renters insurance
• Progressive: Flexible deductibles, offers accident forgiveness, optional roof malfunction and pet injury coverage
• Good Sam: RV-specific insurance agency that’s ideal for full-time RVers

RV Rental Insurance FAQs

Is rv rental insurance necessary, what are the requirements for rv rental insurance, are there any restrictions on the type of rv that can be insured, does rv insurance typically provide coverage in other countries, how we chose the best rv rental insurance.

To narrow down the best companies for RV rental insurance, we looked for a few crucial features and then compared quotes.

We first looked at each provider’s available coverage options. Great RV rental insurance providers offer a wide range of policy options. Choosing your coverage level and deductible allows you to customize your policy to fit your budget and vacation.

We also considered the customer service track record of each insurance provider. Nationwide, Progressive and Good Sam are all insurance companies that, according to customer reviews, have an easy claims filing process. All offer a free quote before you buy your policy.

When choosing a provider for RV rental insurance, make sure to do your homework so as to get coverage that meets your needs.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Introduction to VisitorsCoverage Travel Insurance

• Types of Policies Offered
• VisitorsCoverage Cost
• Customer Service and Support

How to File a Claim with VisitorsCoverage Travel Insurance

• Why You Should Trust Us

VisitorsCoverage Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies . VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.

Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse travel insurance plans for solo and group travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers medical insurance for US visa holders for up to two years
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers plans designed for missionaries and international volunteers
• con icon Two crossed lines that form an 'X'. VisitorsCoverage does not underwrite or service travel insurance plans
• con icon Two crossed lines that form an 'X'. Claims experiences may vary widely based on which carrier you buy your plan from

VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don't have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage's website as well as manage your policy and adjust your coverage.

You'll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.

While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn't field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn't a major exclusion, but it means you have to conduct additional research for that information, which isn't ideal for a service that exists primarily to simplify the buying process.

Types of Policies Offered by VisitorsCoverage

VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you're looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.

It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,

If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you're traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).

One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers , catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.

Additional Coverage Options (Riders)

VisitorsCoverage has filters that can tailor your insurance search based on your needs. You'll find specific search functions for the following types of travel insurance :

• AD&D insurance coverage: This provides a lump sum benefit to the insured's beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
• Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
• Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
• Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It's ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
• Student visa insurance:  Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.

VisitorsCoverage Travel Insurance Cost

The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.

Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.

VisitorsCoverage Customer Service and Support

VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn't necessarily a reflection on VisitorsCoverage, but the actual insurance provider.

It's worth noting that VisitorsCoverage's customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.

VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it's no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.

If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don't have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.

Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.

VisitorsCoverage Frequently Asked Questions

 You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at [email protected]. Business hours are from 7: a.m. - 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage's website chat function.

Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.

VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions. 

VisitorsCoverage doesn't have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.

You can filter your insurance search based on companies that offer adventure activities. You'll need to conduct your own independent research to see if your particular sport is covered under a particular policy.

Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review

When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.

Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it's not the travel insurance company, but we reviewed it based on the support provided, its partners' coverage, etc.

You can learn more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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