Motorhome Insurance

Class A, Class B, or Class C — a motorhome is both your vehicle and your living space, and it needs a policy that treats it like both.

Coverage Overview

How we cover it

Unlike a towable, a motorhome is a self-propelled vehicle — which means it needs a full auto liability policy in addition to the coverage a travel trailer would need for its interior and structure. Class A diesel pushers, Class B camper vans on a van chassis, and Class C units built on a truck cab each carry different values and different risk profiles, and we price them accordingly.

Because a motorhome is often the single largest vehicle purchase a family makes, we pay close attention to agreed value and total-loss replacement options so a major accident doesn't leave you underinsured on a six-figure rig.

Suggested photoClass A motorhome driving on a scenic highway
What's Included

Coverage options to consider

Standard protection

  • Full liability coverage (bodily injury & property damage)
  • Comprehensive & collision
  • Total-loss replacement cost coverage
  • Roadside assistance built for large vehicles

Optional add-ons

  • Full-timer & primary residence coverage
  • Personal effects & electronics coverage
  • Emergency expense coverage (lodging if displaced)
  • Towed vehicle (dinghy) coverage

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Frequently Asked

Common questions

What's the difference between insuring a motorhome and a travel trailer?

A motorhome is self-propelled, so it needs its own auto liability coverage — a travel trailer relies on the tow vehicle's liability. Both need comprehensive, collision, and contents coverage for the living space.

Can I insure the car I tow behind my Class A?

Yes — towed vehicle (or 'dinghy') coverage protects the car you flat-tow behind your motorhome, and is a common add-on for Class A owners.

Does age or mileage affect my motorhome insurance cost?

Yes, along with class (A, B, or C), chassis, and how the RV is used. We compare quotes across carriers who weigh these factors differently, so we're not stuck with just one company's formula.

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