Recreational vehicle insurance, shopped across 20+ carriers
RV insurance is a specialized policy that covers motorhomes, travel trailers, fifth-wheels, and camper vans for liability, physical damage, and personal belongings while traveling or parked at a campsite.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable recreational vehicle insurance in NV, AZ, UT, TX & OH
Anyone who owns a motorhome, Class A/B/C RV, travel trailer, fifth-wheel, or pop-up camper in NV, TX, OH, UT, or AZ. Motorhomes you drive require liability coverage like a personal auto; travel trailers rely on the towing vehicle's liability but benefit from separate physical-damage coverage.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Recreational vehicle insurance at a glance
- Motorhomes require auto-style liability; trailers do not. Motorhomes you drive require their own liability coverage just like a car; travel trailers and fifth-wheels rely on the towing vehicle's auto liability while moving, but still need physical damage, personal belongings, and vacation liability coverage.
- Nevada and surrounding states are prime RV territory. Nevada's proximity to national parks, desert landscapes, and casino destinations makes RV travel exceptionally common; Liberty Choice insures RV owners who travel throughout the Southwest and beyond.
- Full-time RV living requires a specialized policy. Standard RV policies are written for recreational use; RV owners who live in their unit full-time need a full-timer's policy that includes higher personal property limits and liability coverage similar to a homeowners policy.
- Personal belongings in the RV are not covered by auto or home insurance. Clothing, electronics, furniture, and gear kept inside an RV are not covered by your auto policy or your homeowners policy; personal property coverage within the RV policy protects these items.
Source: Progressive (2024); Insurance Information Institute (III, 2024); RVezy (2025). Average travel trailer insurance was $594/yr in 2024 per Progressive; Class A motorhomes typically run $1,200–$3,000/yr; full-timer policies average $1,500–$4,000/yr.
Coverage explained
What recreational vehicle insurance covers
The details
The parts of a recreational vehicle policy
| Coverage | What it covers | Typically |
|---|---|---|
| Bodily injury liability | Injuries to others caused by an accident while driving or towing the RV | Required |
| Property damage liability | Damage to another person's property caused during operation | Required |
| Collision | Damage to your RV from a collision with another vehicle or object | If financed |
| Comprehensive | Non-collision damage including theft, fire, hail, and flooding | If financed |
| Uninsured/underinsured motorist | Your injuries from an at-fault uninsured driver | Varies by state |
| Personal belongings | Clothing, electronics, and personal items stored inside the RV | Optional |
| Full-timer liability | Expanded liability for those who use the RV as a primary residence | Optional |
| Emergency expense coverage | Lodging and meals if the RV becomes uninhabitable due to a covered loss while traveling | Add-on |
| Roadside assistance | Towing and emergency services sized for large RV units | Add-on |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does recreational vehicle insurance work?
RV insurance combines elements of auto insurance (for when you are driving the unit) and home insurance (for when it is parked and used as living quarters). The type of coverage you need depends on whether the RV is a motorized unit (Class A, B, or C) or a towable (fifth wheel or travel trailer). Full-timers who live in their RV year-round typically need broader personal liability and personal property protections than occasional vacationers.
Pricing
What does recreational vehicle insurance cost?
RV insurance costs vary widely by RV class, value, and how the unit is used. Here are typical annual ranges for the most common RV types.
| RV type | Typical annual premium | Notes |
|---|---|---|
| Class A motorhome (large) | ~$1,200-$3,000/yr | Diesel pushers and gas coaches |
| Class B / C motorhome | ~$800-$1,800/yr | Camper vans and small motorhomes |
| Travel trailer / fifth-wheel | ~$300-$800/yr | Physical damage and personal property; no separate liability required |
| Full-timer's policy (any type) | ~$1,500-$4,000/yr | Higher limits for primary residence use |
Typical ranges; premiums vary by unit value, age, how often you travel, where you travel, and your driving record.
Source: Progressive (2024) — average travel trailer premium $594/yr; Insurance Information Institute (III, 2024); RVezy / Roamly (2025) — Class A range $1,000–$4,000/yr, Class B/C range $300–$2,500/yr, full-timer range $1,500–$4,000/yr.
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on recreational vehicle insurance
- Bundle RV insurance with auto or homeowners. Multi-policy discounts of 10-20% often apply when you add an RV policy to an existing auto or homeowners policy with the same carrier.
- Store the RV in a secured facility when not in use. A locked, covered storage facility reduces comprehensive claims (theft, weather) and can earn a storage discount from some carriers.
- Complete an RV safety or driver training course. Some carriers offer discounts for motorhome drivers who complete an RV-specific safe-driving or handling course.
- Raise your deductible. Higher collision and comprehensive deductibles lower the annual premium; choose an amount you can comfortably cover out of pocket.
- Limit mileage or travel days. If you only use the RV a few weeks per year, some carriers offer low-mileage or limited-use discounts.
- Pay the full annual premium upfront. Annual payment instead of monthly typically saves 3-5%.
Source: Insurance Information Institute (III, 2024); Progressive (2024). Bundling, storage facilities, and annual payment are consistently cited RV insurance savings strategies.
Questions
Recreational vehicle insurance FAQ
Does my personal auto policy cover my RV?
Do I need RV insurance if I only use it a few weekends a year?
How much does RV insurance cost?
What is vacation liability and why do RV owners need it?
Am I covered if my RV is damaged while in storage for the winter?
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