5 Best RV Insurance of 2025

Roamly RV Insurance

Roamly is an RV insurance company that operates in conjunction with Outdoorsy, an RV rental marketplace based out of Austin, Texas. The company offers comprehensive coverage, without the loopholes, no-rental restrictions, or the astronomical rates of commercial policies usually associated with RV insurance. Roamly policies are underwritten by well-known and established insurance carriers, including Allstate, Geico, and Progressive. The company was founded in 2019.

Roamly covers pretty much everything you would expect from a company that offers RV insurance and then some. Collision, liability, medical payments, roadside assistance are among the coverage Roamly offers.  The company stands out for offering coverage for RV owners who rent out their RVs. You can get a free policy quote on Roamly.com. You'll need to have pretty specific information about your rig to complete the form required to receive a quote, including the make, model, and length. But once you complete the form, you'll get your quote nearly instantly. Filing a claim with Roamly is straightforward, with options for you to submit your claim directly on the website, through e-mail, or even on the phone with a live person, who will be in touch with you within one business day after you file your claim.

Good Sam RV Insurance

The Good Sam Insurance Agency replaces any RV that is totaled or stolen in its first five model years with a new, comparable RV model. This stands even if the customer is not the original owner of the vehicle. After the first five model years, customers receive the full original purchase price toward the purchase of a replacement RV. This Full Replacement Cost Coverage option protects customer RVs from depreciation, potentially saving them thousands of dollars.

Few RV Insurance companies offer full-time RV Insurance. Some might even deny coverage if they weren’t informed that the insured RV was intended to be used as a permanent residence. On the other hand, the Good Sam Insurance Agency offers customizable coverage options that are designed specifically for full-time RVers. Full-time RVers can enjoy coverage similar to that of homeowners insurance through the Good Sam Insurance Agency’s specialized protection plan for full timers or first-time weekend RVers. Full-Time Insurance goes above and beyond what traditional Auto Insurance policies can protect because it covers a number of other incidents and situations that regular RV insurance does not.

National General RV Insurance

National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. Further examples are the company’s storage option and low mileage discount—both great solutions for part-time RVers. National General also has discounts that are aimed at attracting supporters and members of certain organizations. For example, active and retired General Motors employees, current employees of General Motors suppliers, such as Chevrolet, Hummer, and Pontiac, OnStar subscribers, and GM/GMAC customers are all eligible for discounts on their premiums.

Some of National General’s most noteworthy coverage options include those that replace damaged items and parts or reimburse their cost. These options are designed to cover however much customers want insured and to avoid any sort of depreciation. The company’s personal belongings coverage protects items, from laptops and linens to attachments and accessories, up to $3,000. Customer belongings are insured for what they paid and not a depreciated amount. They also have the option of adding more coverage if needed. The permanent attachments coverage works similarly, automatically ensuring any items attached—such as awnings, satellite dishes, and TV antennas—for the full amount it would cost to replace them instead of a depreciated amount. National General Insurance offers several additional services with all of its policies, which the company calls SmartServices®. These features are designed to provide customers with safety, security, convenience, and flexibility.

Tredder RV Insurance

Tredder is an insurance policy that specifically covers the modifications and upgrades you've made to your vehicle. Most car insurance policies only cover a limited amount for accessories and modifications. Tredder is designed to bridge that gap by offering full replacement value for upgrades like suspension upgrades, off-road equipment, and other modifications. It's a supplemental policy that works alongside your existing car insurance.

Tredder specializes in supplemental insurance for "adventure" vehicles. According to the company, an adventure vehicle is an extensively modified vehicle outfitted for self-reliant long distance travel. This includes motorcycles, cars, trucks, SUVs, vans, and RVs.

Tredder insurance offers full replacement value coverage for a variety of aftermarket modifications, including but not limited to:

• Performance upgrades: Engine modifications, turbochargers, superchargers
• Suspension systems: Lifts, leveling kits, off-road suspension components
• Exterior modifications: Body kits, custom paint jobs, aftermarket wheels and tires
• Interior modifications: Custom seats, audio systems, and other interior upgrades

Tredder has a 24/7 hotline for assistance and help filing a claim. Many customers report positive experiences with Tredder's customer service representatives, who are knowledgeable and helpful in answering questions and resolving issues.

RVInsurance.com

Instead of going from carrier to carrier, consumers can use RVInsurance.com’s quoting service to get connected to companies that actually offer what they need. This saves consumers time and money that would be spent elsewhere. Overall, clients using the service report average savings of over $400 per year. Getting an insurance quote on RVInsurance.com is a fast and uncomplicated process. Users only need to input their zip code to start so that the company can verify if they are in one of the 48 continental states where it can provide them with quotes. Then, it’s a matter of providing some personal and vehicle information, choosing from any available discounts, and getting a final rate. Although RVInsurance.com is an aggregator, its quoting process has an entire section allowing users to choose from a series of discounts. The discounts that are available naturally vary from carrier to carrier, but the ones users select will help fine tune their search to include those that offer them.

A common concern with marketplaces among consumers is that they are merely faceless, online algorithms that provide numerous quotes but no real guidance when the time comes to make a decision. RVInsurance.com, however, features a fully licensed, multi-line agency that can help consumers find their ideal RV, auto, home, or boat insurance. All of the company’s agents are provided with ongoing education and training in order to stay up to date with the latest developments in the RV insurance industry. The volume of positive feedback on the Better Business Bureau and other third-party review aggregators attests to the satisfaction that most clients have with the company's service. Many clients express contentment with the company's quick and attentive customer service, in particular.