- Camper Type and model
- Your other insured vehicles
- Your driving history
- Trailers don’t necessarily have to have insurance in some states, but it’s highly recommended you get coverage regardless of your state’s policy.
- What level of coverage you want. Some options include:
- Suspended coverage option: This is a great option if you are not a full time traveler. It will allow you to suspend your coverage while you are not using your RV, saving you a lot of money in the off season.
- Replacement cost of personal belongings: Like homeowners insurance it will cover all your belongings inside the camper.
- Emergency coverage: If your RV breaks down, this plan will cover all you living expenses while your RV is in the shop.
- Full-time traveler or short-term traveler liability coverage: Will cover anyone who is injured in or next to your RV.
Our recommended RV insurance providers based on our research and experiences: