Motorhome / RV Insurance - Let us find your best coverage - coverage for Class A, B and C motorhomes
Motorhomes are both vehicles and homes on wheels, so they need auto coverage plus contents and vacation liability. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Motorhome / RV Quote Request
Applicant Information:
Have these handy
- Year, make, model and VIN / serial number
- Operators' names, dates of birth and experience
- Where the unit is stored
- Purchase price and value
Related coverage
What Motorhome / RV coverage includes
RV insurance covers your motorhome on the road and at the campsite. Because an RV is both a vehicle and a temporary home, the right policy combines auto-style liability and physical damage with coverage for personal belongings, campsite liability and emergency expenses if a breakdown leaves you far from home. We compare specialty RV carriers for weekend travelers and full-timers alike.
- Liability - Injuries and property damage you cause to others.
- Physical damage - Collision, fire, theft and vandalism to your unit.
- Personal effects - Belongings inside the RV.
- Vacation liability - Injuries at the campsite.
- Towing and roadside - Help when you break down.
- Emergency expense - Lodging and transportation if a covered loss strands you away from home.
Good to know: total loss replacement on newer RVs avoids depreciation.
Not covered: full-time living unless declared, and wear and tear or mechanical breakdown.
Insurance Application:
Motorhome / RVBegin Application
Required forms
Motorhome / RV Supplemental Application (PDF)Want to save and finish later? Complete it online
RV supplements (add any that apply)
Travel Trailer / Fifth Wheel (PDF)Want to save and finish later? Complete it online
Toy Hauler (PDF)Want to save and finish later? Complete it online
Download, complete and email to quote@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
-
Mon-Fri 8:00am - 6:00pm
Sat 9:00am - 12:00pm
RV insurance explained
How RV insurance works
An RV policy protects the vehicle, the people you share the road with and the things you bring along.
Liability
Injuries and property damage you cause while driving.
Physical damage
Collision and comprehensive on the motorhome.
Personal effects
Belongings inside the RV.
Vacation liability
Injuries to others at your campsite.
Towing and roadside
Help when you break down.
Emergency expense
Lodging and travel if your RV is disabled far from home.
Full-timers need full-timer coverage. If the RV is your primary residence, a standard RV policy may not respond. Full-timer coverage adds home-style liability and higher personal effects limits.
Pricing
What affects your RV rate
Rating factors
- RV class, age and value
- How many days a year you use it
- Full-time or part-time use
- Driver records and experience
- Storage location during the off-season
Discounts to ask about
- Bundling with auto or home
- RV safety course completion
- Storage or lay-up periods
- RV association membership
- Claims-free history
Towing a car or trailer? Tell us about any vehicle you tow behind your motorhome, and about trailers, so coverage follows them on the road.
RV options
Find the right RV coverage
Start with the motorhome application, then add any supplement that fits.
Towables and toys
Travel Trailer / Fifth Wheel
Travel trailers and fifth wheels.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineToy Hauler
Toy haulers.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineATV / UTV
ATVs and side-by-sides you bring along.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineGolf Cart / Low-Speed Vehicle
Golf carts for campgrounds.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineRelated coverage
Private Passenger Auto
Auto insurance for your tow vehicle.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlinePersonal Umbrella
Extra liability protection.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineThis is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.