Learn About Recreational Vehicle Insurance

Learn about
Recreational Vehicle (RV) Insurance

Do you drive your fifth-wheel to the grocery store and back? Probably not. Then why would you insure your rig with a policy meant for an everyday automobile? Choose an RV Insurance policy from us specialized for your fifth-wheel.

What is RV Insurance?

RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more.

Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.

Why choose us for RV right now?

Expanded Eligibility
We’re expanding our eligibility to those who rent out their RVs!* This is a growing market and we welcome your customers that occasionally rent out their RVs for peer-to-peer rental or on rental platforms such as Outdoorsy®.

Lower Premiums
Our new pricing structure provides many competitive price points, especially for Class B and C Motor Homes, bumper-pull Travel Trailers, and Pop-ups, which are some of the fastest growing RV segments. Plus, we have deductible options up to $5,000 to choose from!

Full-Timer/Comprehensive Personal Liability
Personal Liability coverage, similar to a homeowners policy, designed for people who use their Motor Home or Travel Trailer 6 or more months a year or as a primary residence. Not many insurance companies offer this, but we do!

Broad Eligibility and Discount
In addition to most classes of Motor Homes and Travel Trailers, Full-Timer, Primary Residence, and Stationary Travel Trailers (in- and out-of-park) are all eligible for our program. Foremost also offers a multi-policy discount!

Additional Living Expense
Provides coverage for increased living expenses, temporary housing, and travel expenses in the event of a covered Collision or Other Than Collision Loss. (Available if Comprehensive Personal Liability is purchased.) (Available if Comprehensive Personal Liability is purchased.)

Adjacent Structures
Coverage for unattached structures such as sheds, decks, covered porches, or car ports that are located on the RV site.

Replacement Cost Personal Property (ACV Personal Property also available)
Includes Pet coverage in most states!

Scheduled Medical Benefits
Provides benefits to an insured for certain accidental injuries sustained while the Motor Home or Travel Trailer is parked and being used as a dwelling or for recreational purposes. Diminishing Deductible For each consecutive year an RV is insured by us without a paid loss, we will reduce any applicable deductible(s) by 25%.

Towing and Roadside Assistance
Eliminates the hassle of buying a separate towing plan. Specialized towing services, available 24 hours a day, 365 days a year throughout the United States and Canada.

12-Pay
A 12-Pay payment plan is available for RV policies, allowing your customers more flexibility! Note that Electronic Funds Transfer (EFT) is required on all 12-Pay policies.**

Tiny Houses
Tiny Houses permanently on wheels may also be acceptable in our program with approval from Underwriting!