Motor Home Insurance

If you have a motor home and you have homeowners and auto insurance, you may think you're covered. After all, a motor home is basically a combination of a house and a car. However, motor home insurance is separate and relying on other coverages can cost you a lot. Motor home insurance rates are often relatively inexpensive, especially when you consider the savings if your Recreational Vehicle (RV) is stolen or damaged. You can compare motor home insurance and find cheap RV insurance for your motor home here. Read on to learn about why you need motor home insurance and to find the best RV insurance rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Traveling cross-country in a motor home can be a much more affordable means of taking a vacation for some. After all, which sounds more expensive: booking a flight, renting a hotel room, and finding transportation for your entire family, or having all of those expenses taken care of in one recreational vehicle? If you’re going to own a motor home, however, you’re going to need motor home insurance.

And it is easier than ever to find cheap motor home insurance coverage for almost every type of motor home available in America today.

RVs are unique when it comes to purchasing insurance policies for them. Some motor home owners may put themselves at unnecessary risk in an attempt to save money by purchasing bare-minimum coverage.

Applying the same coverage to an RV as your standard auto insurance coverage options, such as collision and comprehensive, won’t completely cover your motor home. In order to make sure that you are fully insured, you’re going to need an insurance policy tailored to the needs of your RV.

Finding that policy can be as easy as just clicking here to use our FREE tool to compare motor home insurance rates.

These Motor Home Insurance Companies Offer Lowest Prices In Your Area

What the Phrase “Motor Home” Really Means

Most RV owners assume that a regular auto policy is the same as a motor home insurance policy. However, this is not the case, and you may be underinsured. But we'll give you the information you need to make sure your motor home is protected with the right RV Insurance.

If your vehicle can be temporarily lived in but is also permanently attached to a motor vehicle chassis or a van, then it qualifies as a “motor home”. A traditional Motor Home must also adhere to the following standards:

  • Have a permanent cooking apparatus installed
  • Contain a refrigerator
  • Must have a bathroom (with plumbing)
  • Self-contained heat and A/C
  • Drinkable water supply system
  • Be wired with a 110-125 volt electrical power system

To make sure that you’re covered properly, ask your current insurance agent if you can add an RV insurance coverage policy to your present auto insurance policy. If your insurance company doesn’t cover motor homes, don't give up. There are insurance companies out there who specialize in covering recreational vehicles. Insuring your motor home might not cost as much as you’d think, especially when you take into account the additional expense of repairing or replacing your RV out-of-pocket.

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Finding the Ideal Mobile Home Insurance Policy

Many motor home owners seem to be under the impression that having both an auto policy and homeowner's insurance is enough to protect them in the event that something happens to their RV. However, this is a big — and potentially expensive — mistake.

For one, you can’t count on your homeowner's insurance to cover your personal property if you are out enjoying the open road in your RV. Likewise, auto policies rarely protect you or pay out claims for:

  • Damage/theft of personal items within the motor home
  • Liability coverage for when the RV is used as a residence
  • Attached accessories (awnings, antennas, satellite dishes, etc.)
  • Lodging/traveling expenses if your motor home becomes unlivable

Because of these glaring differences between an auto policy and motor home insurance, making sure you have the right type of coverage can make a big difference when trying to file a claim. Your motor home insurance coverage, however, will provide full protection for your RV, all personal property within, and it will protect you regardless of your specific location without requiring a substantial deductible to be paid out of pocket.

RV insurance provides exceptional emergency expense protection. Contrary to most automobile policies, your RV policy will pay for your travel expenses to get you and your vehicle back home if it is damaged during the road trip.

So what are you waiting for? Compare rates for RV insurance today — just enter your ZIP code in our FREE search tool and save big.

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