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RV Insurance starting at just $125 per year
Protect your recreational vehicle with customized coverage.
Whether you’re planning a family vacation or a weekend road trip, make sure your recreational vehicle is covered with the right insurance policy.
Our RV insurance quotes show you multiple ways to save, with annual policies starting as low as $125
Start saving with one of the best RV insurance companies & discover the discounts you can earn.
Get an RV insurance quote online or over the phone today.
Standard coverages included in your policy
Bodily Injury
Property Damage
Property Damage
If you get into an accident with your RV and other people get hurt, this coverage helps pay their medical expenses.
Property Damage
Property Damage
Property Damage
If your RV or trailer damages another person’s property, like their car or home, this coverage can help pay for their repairs.
Medical Payments
Medical Payments
Medical Payments
This helps cover treatment or recovery costs if you or your passengers get hurt in an accident.
Collision Damage
Medical Payments
Medical Payments
This helps pay for your repair costs if your RV gets damaged in an accident.
Customized RV insurance that goes where you go
Emergency Expense
Replacement Cost/Personal Effects
Total loss Replacement
If your RV is disabled due to a covered incident and you’re more than 50 miles from your residence, your insurer will cover your resulting transportation and lodging costs up to $750 (you may upgrade your coverage to $2000).
Example: You’re more than 100 miles from home when an accident on the highway damages and disables your RV. your insurer will help pay for your hotel and rental car costs, up to the limits of your policy, while your RV is being repaired.
Total loss Replacement
Replacement Cost/Personal Effects
Total loss Replacement
your insurer will replace your totaled travel trailer or motorhome with a brand new one, minus your deductible, so long as your RV is five model years old or less. If your RV is older than five model years, you’ll receive the amount specified in your policy.
Example: If your totaled RV originally cost $55,000, but is only worth $45,000 today, your insurer will pay to replace it with the same model year or later and the same trim level or better—even if it costs more than the original vehicle’s purchase price.
Replacement Cost/Personal Effects
Replacement Cost/Personal Effects
Replacement Cost/Personal Effects
Personal property inside your motorhome or travel trailer is covered up to the limits you specify.
Example: You accidently back your trailer into a picnic table, damaging your cell phone and tablet. Your policy can pay to replace the items up to the limits of your policy.
Choose the travel trailer and motorhome insurance that best
Class C Motorhomes
Mid-sized RVs ranging from 20-33 fett in length, also known as "mini motorhomes"
Hores & Cargo Trailers
Large, enclosed trailer used for transporting horses, vehicles and other cargo
Conventional Trailers
Travel trailers used for camping and vacationing ranging from 12-40 feet in length
Fifth-Wheel Trailers
These trailers feature a raised front section, providing more living space
Utility Trailers
Smaller trailers designed to carry ATVs, boats, equipment, and other light cargo
We love your RV as much as you do
Common questions about RV insurance
How much does RV insurance cost?
Annual policies remain affordable, but your price for motorhome and travel trailer insurance depends on a variety of factors, such as:
- Type, age, and condition: RV insurance is primarily based on the make, model, and year of your vehicle. An older, smaller travel trailer will cost less to insure than a newer, state-of-the-art motorhome. Just like your rate will be costlier for a state-of-the-art conventional travel trailer compared to a pop-up camper.
- Usage: How often you use your RV will also affect the cost to insure it. If your RV is your primary residence, your coverages and rate will differ from someone who only uses their motorhome or travel trailer several weekends a year. Learn more about full-time RV insurance.
- Driving history: A clean driving record also matters when it comes to RV insurance. Tickets on your motor vehicle report or prior accidents will likely affect your premium.
Is insurance required on a travel trailer?
Because you’re not driving your travel trailer, no states require you to insure a vehicle that you pull with a car or truck. If you're financing the travel trailer, your lender may mandate comprehensive and collision coverage to insure the vehicle against physical damage.
Does Roof Protection coverage apply to the interior of an RV?
This coverage protects against damage to any part of the vehicle caused directly by a roof malfunction.
Is there insurance coverage for horse trailers and destination trailers?
Yes. Our insurance carriers cover destination trailers like standard travel trailers. Horse trailers can be covered up to $50,000.
The Shaw Crosby Insurance Brokerage will help you set up a top-notch and affordable rv insurance coverage. On top of that, you'll have access to our highly trained service agents. They'll be happy to help you make a change to your policy or answer any questions you may have. Call 1-855-498-0515 for help with a specialized policy.
Pro tips for quoting RV insurance
Getting the best rate or the right insurance coverage for your RV is much easier than changing a flat tire. Keep these tips in mind before you start your quote:
- Look up your RV's value: Knowing your RV's value helps determine how much coverage you need. Sites like NADA.com are good reference points for researching your RV's current worth.
- Pick the coverages that fit your needs: For example, if you travel with expensive items like a laptop or camera, consider personal effects to protect against damage to your belongings.
- Remember safety first: Clean driving can help lower your RV insurance costs.
Get a quote for your motorhome or travel trailer today and see how much you'll save while getting the coverage you need.
Keep in mind, coverage offerings may vary by state.
Get a free RV insurance quote online or call for advice call 1-855-498-0515
More questions about RV insurance? we've got answers.
Shaw Crosby Insurance Brokerage, LLC's website is operated by Shaw Crosby Insurance Brokerage, LLC., a licensed insurance agency doing business as Shaw Crosby Insurance Brokerage, LLC. The purpose of this website is to help individuals, families and businesses obtain the best insurance solution for their specific needs. Contact may be made by an insurance agent/producer or insurance company. We offer plans from a number of insurance companies. Shaw Crosby Insurance Brokerage, LLC. is privately owned and all information and advertisements are independent and are not associated with any state exchange or the federal marketplace. Additionally, Shaw Crosby Insurance Brokerage, LLC. is not associated with, sanctioned by or managed by the federal government, the Centers for Medicare & Medicaid, healthcare.gov or the Department of Health and Human Services.
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