Rv Insurance – If your family joins the more than 11 million other people in the United States who own a recreational vehicle, you need to insure yourself with the best RV insurance. Not all companies provide the same level of coverage or quality of service. When you travel in a house on wheels, you want the peace of mind that comes with knowing your investments, affairs and family are fully covered.
These five companies understand the unique needs of RVers. Although they all excel in offering the protection that customers need, each has a particular strength that sets it apart from other companies. Find out why we chose these companies as the five best RV insurance companies.
Good Sam Insurance Agency offers plans designed to meet the unique needs of RVers. The company makes it easy for those who are unsure of how to find the right plan by providing multiple quotes from well-known insurance companies that offer specialty RV insurance.
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Good Sam Insurance Agency works with many insurance companies, including National General, Progressive, Foremost and Safeco, which placed them at the top of our list of best RV insurance companies. They offer customers a variety of products including travel coverage in Mexico.
Full-timers can get a plan that covers their RV as their place of residence, while those who travel only part of the year can get coverage that allows them to pause their plans while their RV is in storage.
RVers have unique and different needs. People who own recreational vehicles do not use them all the same, so flexibility in insurance coverage is essential for many consumers.
While standard plans include options such as liability, collision, comprehensive, and personal injury coverage, RVers can also find several add-ons. Possibilities include full replacement costs, emergency expense allowances and protection of personal belongings.
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Good Sam Insurance Agency offers standard discounts including multi-car and multi-policy discounts. They also offer discounts on safety features and benefits for those who store their RV for any part of the year, which is another reason why they rank highly for the best RV insurance.
Customers can file a claim through Good Sam Insurance Company by calling the toll-free number. During the call, the customer is assigned a claims adjuster who goes ahead and handles the claim. It is a bit cumbersome and consumers do not benefit from multiple filling options.
National General Insurance offers RV insurance in all 50 states. The company excels at providing customers with ways to save on insurance.
Not only are discounts offered, but those who put their RVs in storage for part of the year can drop most of their coverage while still maintaining protection against theft, vandalism, fire and storm damage.
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The company offers a wide range of products, but consumers have difficulty sorting out information about the options online. They list special coverages but do not identify basic products, such as standard liability, medical expenses, collision or comprehensive.
However, National General offers customers some unique and hard-to-find products, including Mexico travel coverage and specialty items like solar panels.
Consumers can choose from several products to get the coverage they need, which is why this company is on our list of the best RV insurance companies. General National offers general liability coverage for full-time campers that covers them regardless of where they travel and when they are camping.
Similarly, travelers who store RVs can reduce their coverage while protecting their recreational vehicle from hazards such as fire or storm damage while it sits in storage.
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National General offers some great discounts and savings opportunities. When customers insure multiple vehicles with one company, they can lower rates. The company also offers homeowner, motorcycle and auto coverage, so people can bundle their insurance to save money.
They have a unique product that other companies on this list do not offer. Customers can get discounts on rates to keep their driving miles down. National General uses a odometer device to keep track. Other discounts include safe driver, full payment discount and paperless discount.
Customers who wish to file a claim can do so online or by phone. General National also offers assistance in finding a new RV after a total loss for those with full cost replacement coverage.
Another unique service this company offers that puts it on the list of best RV insurance companies is their $500 reward for tips that convince a customer that their RV has been stolen.
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Nationwide is a solid RV insurance provider that offers customers flexible plans, a good selection of discounts, and some optional extras. The company’s full replacement cost coverage is top notch. Not only is the customer’s RV covered, but so are unscheduled personal effects.
This coverage is available for full-time and part-time travelers. However, it is not available to residents of Alaska, Hawaii, Louisiana or Massachusetts.
Basic nationwide coverage includes certain products and medical payment coverage for insured and RV occupants. The additional options give customers the choice you expect from the best RV insurance companies, and a high value replacement product that covers personal property, setting it apart from others on the list.
Customers can tailor their plans to meet full-time and part-time needs. They offer vacation liability for those who only use their camper part-time, but do not provide an option to release coverage while the RV is in storage.
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Roadside assistance is often important to RVers, and Nationwide offers optional coverage. They also have a towing and working package. Both roadside assistance and towing and labor come with trip interruption coverage that pays for transportation, lodging, and meals.
Nationwide offers customers a list of eight potential discounts, which is useful because standard fares are higher. Discounts are offered when customers insure multiple vehicles or purchase multiple policies through the company.
RVers can get discounts by taking a recreational vehicle safety course and by joining an RV club. Other benefits include no-claims renewal, fully paid, ongoing coverage and good drivers.
There are two options for filing a claim: online or by phone. Claimants can also search the company’s network of repair shop databases, which can be helpful when customers need repairs while on the road.
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The website is easy to navigate – an important customer service feature for the best RV insurance companies – and customers who need to file a claim can quickly find the information they need.
Progressive RV Insurance offers a wide range of products that allow customers to tailor coverage to meet their needs. Their list of additions is the most extensive of any company on this list, and their products are very important to RVers.
They offer good drivers a missing deductible, and the company offers accident waivers to loyal customers for minor and major accidents.
While the company’s standard range of products is similar to the other companies on the list, its menu of optional coverage is more extensive, making it one of the best RV insurance companies. It also has products you won’t see anywhere else unless you get a plan using Good Sam Insurance Agency Services.
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Some unique options include pet accident coverage, damage assessment coverage for mandatory RV association damage expenses, roof coverage to pay for repairs and replacements, and pest damage coverage. The last two options are only available on RVs less than six years old.
Progressive provides coverage options for full-timers and vacationers. However, part-time travelers are not allowed to suspend their coverage while their vehicle is in storage. Otherwise, their range of products allows RVers to pick and choose the products that best suit their needs.
The company offers a standard set of discounts, as well as some atypical ones. Customers who get a quote at least one day before their policy starts get the discount. Original RV owners also get a discount on the rate.
Like Good Sam Insurance Agency, Progressive has only one way to file a claim. Consumers must call to file and wait for a claims adjuster to contact them.
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However, this company boosts its ratings by providing customers with disappearing deductibles and accident waiver benefits for major and minor accidents, earning it a spot on our list of the best RV insurance companies.
As soon as customers sign up with Progressive, they get accident waivers for minor accidents that don’t exceed $500 in damages. After four years with the company, customers get major accident waivers if they remain accident-free for three years.
Auto Owners Insurance gets high marks for providing excellent customer service. Not only do they make it easy for customers to access policy, billing and claims information using their apps, they prioritize claims response and payment.
The company offers a standard menu of products without many bells and whistles. However, many RV owners require optional coverage, which was a primary consideration for our list of the best RV insurance companies.
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Customers can choose to add roadside assistance, and it’s available in Canada and all 50 states. They can also choose
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