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RV Insurance for the Open Road: Comprehensive Coverage for Your Adventures

RV Insurance for the Open Road: Comprehensive Coverage for Your Adventures

Members enjoy a 5% discount on RV insurance for most recreational vehicles through our partnership with Progressive.

What is RV Insurance?

RV insurance is similar to auto insurance but tailored for recreational vehicles. Most states mandate a minimum level of liability coverage for motorhomes. For towable campers and travel trailers, liability coverage typically extends from the auto insurance policy of the towing vehicle.

If you’re financing your RV, your lender may require comprehensive and collision coverage. Whether your RV is your full-time home or a weekend getaway vehicle, you can customize your policy to suit your unique needs. 


RV motor insurance usaa



Insurance for Travel Trailers

Travel trailer insurance offers comprehensive collision coverage and vacation liability protection. This safeguards you against property damage or injuries that occur in or around your trailer.

Consider adding total loss protection for trailers less than a year old. You can also opt for personal effects coverage to protect the belongings stored inside your trailer.

Coverage for Motorhomes

RV insurance can cover damages and injuries resulting from accidents you cause. Additional coverage options may include medical expenses, hotel stays, transportation costs, and windshield repairs.

Motorhome policies also provide up to $99,000 in personal property coverage, protecting the items inside your vehicle. Whether you own a luxurious Class A motorhome, a compact Class B campervan, or a versatile Class C mini-motorhome, we’ve got you covered.

Insuring Pop-Up Campers

Pop-up camper insurance includes comprehensive, collision, and vacation liability coverage. You can also add personal property protection for items stored inside your camper. For campers less than a year old, total loss replacement coverage ensures you can replace your camper with the same or a newer model if it’s totaled.

Coverage for Slide-On Campers

Slide-on campers come with standard coverage options like comprehensive, collision, and vacation liability. Total loss replacement and personal property insurance are also available. Since slide-on campers are loaded onto a truck bed, roadside assistance is included for both the camper and the towing vehicle.

Insurance for Fifth-Wheel Trailers

Fifth-wheel trailer insurance includes comprehensive, collision, roadside assistance, and vacation liability coverage. For trailers less than six years old, consider adding Roof Protection Plus®. This coverage helps repair or replace your roof if it fails due to wear and tear or damages other parts of your trailer.

Why Choose the USAA Insurance Agency?

Our agency maintains long-standing relationships with top insurance providers, ensuring they meet our high standards for customer service and financial stability. For over 30 years, we’ve partnered with Progressive to offer exceptional RV insurance. Our specially trained representatives are available to assist you at the level you expect. Call 800-809-1925 for personalized support.

How Much Does RV Insurance Cost?

RV insurance premiums vary based on the type of vehicle and coverage. You could pay less than $125 annually for a pop-up camper or opt for higher premiums to cover more expensive motorhomes.

Get an RV Insurance Quote For more Details Click Here

How to Save on Your Premium

USAA members save 5% on most RV insurance policies. Here are additional ways to reduce your costs:

  • Responsible Driver Discount: Save if all drivers on your policy maintain a clean driving record for three years.
  • Paid-In-Full Discount: In some states, paying your annual premium upfront can earn you a discount.
  • EFT Discount: Set up automatic payments from your bank account to enjoy additional savings.

RV Insurance for the Open Road


RV Insurance FAQs

Yes, comprehensive coverage can help pay for water damage repairs caused by weather-related incidents.
Recreational coverage protects your RV during trips and at campsites. Full-time RV insurance is for those who live in their RV year-round and offers broader protection, including personal liability and medical payments.
Auto insurance may provide liability coverage for towable RVs like travel trailers and campers. However, it typically won’t cover repairs or replacement of the RV itself.
It depends on the rental terms and the type of RV. Rental insurance often excludes:
  • RVs with more than four wheels.
  • Drivers not listed on the policy.
  • Rentals exceeding 30 days.
  • Full RV value or certain damages while parked.

Protect your RV and enjoy peace of mind on the open road with tailored insurance coverage. Whether you’re a weekend adventurer or a full-time RVer, we’ve got the right policy for you.

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