What Is the Best RV Insurance for Full Timers?

Shop Around For The Best RV Insurance For You

Taking your RV out on the road means getting RV insurance. And if you live in your RV full-time, you’ll have unique insurance needs. But, what is the best RV insurance for full-timers?

Check out What Is Full-Time RV Insurance? for a good background on what exactly full-time RV insurance is. However, let’s do a little recap on just what makes full-time RV insurance different. Then, we’ll answer the question of the best RV insurance for full-timers. 

How Is Full-Time RV Insurance Different?

Whether you use your RV 365 days out of the year or just a few weekends, you will need to insure your RV. But if you live in your RV full-time, you’ll have different insurance needs than a part-timer. 

Any RV insurance policy will include the same basic coverage as any auto policy, such as bodily injury liability, property damage liability, and uninsured motorist coverage. But because a full-timer’s RV is also their home, they’re going to want extra protection from their policy. For example, personal effects replacement (aka personal property coverage) covers the replacement cost of your personal belongings inside your RV. Another example is total loss replacement, an extra coverage that replaces your RV or reimburses you for the value in the event that it’s totaled. 

Another extra coverage that full-timers will likely want is emergency expense coverage. If something happens to your RV, this type of coverage provides things like lodging and meals until the situation is resolved. 

Roadside assistance is also a common part of RV insurance policies. If you break down, run out of fuel, or have any other issues on the road, this policy will help you get help and get back on the road. 

Part-time RV policies may also include many of these coverages. But the key difference for full-timers is that this coverage is more essential and typically will have higher limits. This means that full-time RV insurance costs are higher than for part-time policies. But, that extra amount is well worth the extra coverage you’ll need as a full-timer. 

Let Someone Else Do The Work

Before we look at our top picks, remember that instead of running down numbers and doing comparisons on your own, you can have someone else do the work for you. Just head over to RVer Insurance Exchange and get a free RV insurance quote, and let the experts do the work!

The Best RV Insurance for Full-Timers

Now that we know why full-time RV insurance is different let’s answer the question of what is the best RV insurance for full-timers. 

1. Good Sam

You’ve probably heard of the Good Sam RV Club, but did you know Good Sam offers RV insurance too?

In fact, Good Sam provides the best full-time RV insurance around. Created by RVers, for RVers, this insurance can help you save an average of $530 a year versus other insurers. 

Good Sam offers customizable coverage made specifically for full-timers, including:

• Personal liability
• Medical payments
• Personal belongings
• Emergency expense allowance
• Full replacement cost coverage

They also offer permanent attachment coverage, which protects things like your awnings and antenna. And if you plan to take your RV to Mexico, they can cover you there too. 

Another great perk of Good Sam is the discounts they offer RVers, such as:

• Multi-vehicle discount
• Discounts for paid-in-full RVs
• Multi-policy discount
• Discounts for safe driving and having safety and anti-theft devices. 

Between their extensive coverages and great discounts, Good Sam is easily the best choice for full-time RV insurance. 

2. Progressive

Progressive is one of the largest insurance companies in the US, and they’re also one of the best providers of full-time RV insurance. 

One of the best parts of Progressive full-time RV insurance is the huge variety of coverages they offer, including:

• Roadside assistance
• Total loss replacement
• Personal effects
• Full-timer liability (for injuries in and around your RV)
• Emergency expense coverage
• Pet injury coverage
• Roof protection
• Pest damage protection

So, regardless of your insurance needs, Progressive will have you covered. And, they also have a huge list of available discounts, like:

• Multi-policy discount
• Discount for getting a quote at least one day before your policy starts
• Discounts for being the original owner of your RV
• Discounts for paid-in-full RVs
• Responsible driver discounts
• Prompt payment discount
• Paperless discount

And these are only some of the available discounts! One of the best discounts they offer is disappearing deductibles. For every claim-free period on your RV policy, they’ll subtract 25% from your deductible, even all the way down to $0. So if you love to save money, you’ll love Progressive RV insurance. 

3. Nationwide

When you get RV insurance, you want to save as much money as you can, and Nationwide wants to help. Nationwide offers free “On Your Side Reviews” anytime to help you find available discounts, as well as answer any other questions you might have. 

Nationwide offers full-time RVers a variety of discounts, such as:

• Multi-policy discount
• Discount for taking an RV safety course
• Discount for being a part of an RV club
• Discount for paid-in-full RVs
• Good driver discount

If there’s a discount you can take advantage of, Nationwide will make sure you get it. And, they offer important optional coverages, like:

• Roadside assistance
• Towing & labor
• Safety glass replacement
• Replacement cost
• Personal effects

Their dedication to getting you discounts and their quality coverage make Nationwide one of the best options available. 

4. GEICO

GEICO RV insurance might not offer coverage or discounts as extensive as other insurers, but they’re still a great option. And one of the greatest benefits of GEICO is its low prices. In fact, in a study by US News, GEICO was found to be the 2nd cheapest auto insurer in the US, beat out only by USAA (which is only available to members of the military). 

You can save even more with various discounts, such as discounts for:

• Insuring more than one vehicle with GEICO
• Completing a defensive driver course
• Having a commercial driver’s license

GEICO offers a variety of optional coverages, like:

• Total loss replacement
• Personal effects
• Emergency expense coverage
• Medical payments coverage

If you’re looking for an affordable policy that’s still highly rated, GEICO full-time RV insurance is a great choice. 

5. State Farm

State Farm RV insurance is an all-around great option for full-timers from the largest auto insurer in the US. They offer solid coverage at competitive rates and are well-known for offering great customer service. 

In addition to standard coverages, State Farm offers:

• Emergency road service and roadside assistance
• Protection against theft, fire, and vandalism while the RV is in storage
• Personal articles protection

They also have several discounts available, like:

• Safe driver discounts
• Discounts for safety features like anti-theft devices
• Multiple vehicle discounts

Thanks to affordable rates, solid coverage, and top-notch customer service, State Farm full-time RV insurance is one of the best options available. 

Now You Know Where to Find the Best Full-Time RV Insurance

As a full-timer, you need more extensive coverage with higher limits, and the best full-time RV insurance will give you just that. The best options are Good Sam and Progressive full-time RV insurance. These companies offer tons of discounts as well as unique coverages tailored to RVers. 

Now that you know where to find the best full-time RV insurance, you’re ready to get insured and hit the road!