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How Much Is Travel Trailer Insurance (Lower Average Cost)

• November 22, 2018 /
• RVing 101 /
• By R. Geraldi

Having a home on wheels away from home is thrilling. Every day a new location, new people, and new sights. However, having a travel trailer, an RV, or a camper comes with some responsibilities.

If you’re an owner of a travel trailer or you are just renting one, insurance is something that should be your top priority. Ensuring your travel trailer is just as important as ensuring your house and car. It will give you a piece of mind. However, ensuring your travel trailer can be somewhat tricky. Camping trailer insurance rates vary based on the type of trailer and the type of insurance. Liability and collision insurances are a must, but you also have to think about theft and damage insurances.

Now, the first logical question is “how much is travel trailer insurance?” Depending on the type of your travel trailer, the cost to ensure a travel trailer varies.

Average Cost to Ensure a Travel Trailer

Travel trailer insurance rates can be anywhere between $170 and $1400 . The prices vary and depend on many factors — the size of the trailer, the state the trailer is registered in, how often you use the trailer, and how often it’s on the road.

Therefore, those who only use their travel trailers for vacations a couple of weeks a year won’t pay as much as those who genuinely use their trailers as homes away from home. Of course, owner’s driving record, as well as the value of the contents inside the trailer, all affect the average price for RV insurance .

Popup Camper Insurance Cost

If you paid for your popup camper on the spot or bought it used, you probably don’t have insurance. What’s more, you’re also wondering if you even need insurance on a popup camper. The answer is yes.

However, camper insurance cost varies based on several factors:

• the overall value of the camper
• the dimensions — the height and the width
• how often you use the camper
• how you store the camper when you’re not using it

If you’re lucky, you might be able to add the popup camper to your current auto or home insurance policy. However, in some cases, you might need to purchase the insurance individually. Nonetheless, you should make sure that your insurance covers:

• comprehensive damage (theft, weather damage, etc.)

Travel trailer insurance cost for popup campers can be as low as $125. What’s more, popup camper owners usually add their trailers to their existing auto insurance. That’s relatively inexpensive, and it includes the collision and liability coverage. Meanwhile, you can also get theft coverage under their homeowner insurance.

Do You Have to Have Insurance On a Travel Trailer

A simple answer to the question “do travel trailers need insurance?” is — yes. Here are a few reasons why.

Wrapping your head around the travel trailer coverage might be difficult. You already have auto insurance, and your car is towing the travel trailer, so that should be enough, right? No, it isn’t. Your auto insurance policy will extend to your travel trailer but only when it comes to liability. That means there’s no actual coverage for the travel trailer. If you cause damage to other people and their property — the insurance agency will cover the cost. However, when it comes to the damage done to your trailer, you’re on your own.

Therefore, you need better coverage. It’s best to go with an insurance policy that includes physical coverage as well.

Does a Tent Trailer Need Insurance

While tent trailer insurance isn’t obligatory or required by law, we strongly recommend it. As mentioned, you need to protect your property (in this case, your trailer) from any potential damages on the road.

Insurance will give you a piece of mind. Tent trailers are easy to damage — you might get hit while parked, or it might suffer damages from severe weather.

What States Require Travel Trailer Insurance

Minimum liability coverage is required in all the states in the USA. There’s a bare minimum you have to pay, no matter where you’re registered or where you intend to go.

Furthermore, some states require travel trailer owners to have uninsured/underinsured coverage. That means that you might have to pay extra and add a clause to your insurance policy. This will prove very useful if you cause any bodily harm or property damages to underinsured or uninsured drivers. In those cases, the injured or damaged party will get compensation above the limit of your insurance policy.

Does My Auto Insurance Cover My Travel Trailer

In short, the answer is — yes. However, your auto insurance policy covers your travel trailer only while it’s attached to your vehicle. As soon as you unhook the trailer from your car, the insurance is no longer applicable.

That means that your travel trailer is only insured while you’re driving. If you stop and unhook your trailer to go fishing, and a bolt of lightning hits it — you have no insurance and will have to cover the damages on your own.

The way around this is to purchase an insurance policy that’s specific to your travel trailer.

How Does Travel Trailer Insurance Work

Travel trailer insurance means that you are covered at all times, even when you detach your trailer from your car. What’s more, travel trailer insurance covers a lot of potential worst case scenarios.

An insurance policy for your travel trailer will make sure you are compensated for some or all your losses. If your trailer gets damaged or destroyed by other drivers or natural disasters, or if it gets stolen, you can file a claim with your insurance agency and get compensated for the damage.

What Does Travel Trailer Insurance Cover

While you can choose the type of insurance policy you want, there are some requirements when it comes to travel trailer insurance. Your policy depends on the type and size of your trailer, as well as how often you use it and for what purposes.

Typically, travel trailer insurance covers:

• comprehensive damage

It might seem unusual to have liability coverage, given that your travel trailer has no motor, and you can’t actually drive it. However, travel trailers have been known to unhook from the towing vehicles and cause extensive damage on the road. Therefore, liability coverage is essential.

Collision coverage ensures compensation in case of any damages from accidents. Meanwhile, the comprehensive damage coverage ensures you for damages done by harsh weather conditions like natural disasters. Furthermore, it will also ensure you against theft and vandalism.

You can also get commercial trailer insurance . This is a requirement for all those who use travel trailers for business purposes. For example, auto haulers, concession trailers, dump body and transfer boxes, etc. all need commercial travel trailer insurance.

What Should be Included

Typically, travel trailer insurance should include all mentioned above. Standard travel trailer insurance should cover the following:

• Collision coverage
• Property damage that’s limited to your travel trailer
• Protection in case of personal injuries to you or others
• Comprehensive damages like theft and natural disasters
• Uninsured or underinsured motorist coverage
• Property protection

However, if you’re looking to protect your travel trailer further, you can choose one of the many options of specialized coverage. Specialized coverage will ensure any custom equipment you may have, as well as personal effects. Furthermore, it will also cover total loss replacement, roadside assistance, and vacation liability.

Does Travel Trailer Insurance Cover Water Damage

Given that standard insurance policies don’t include regular wear and tear that also means they don’t cover water damage. Water damage is usually caused by natural aging of your travel trailer will not be compensated by your insurance agency.

If the water damage is a side effect of comprehensive damages , though, your insurance policy will cover it. However, a leaky roof caused by a bit of rust isn’t something you can claim to your insurance agency.

Travel Trailer Insurance Requirements

When it comes to travel trailer insurance requirements, the difference is clear. If you tow your travel trailer, the insurance is optional, and you are covered on the road under your auto insurance policy. However, if your travel trailer can get from one place to another without the towing (if you can drive it), then the insurance is obligatory.

All vehicles have to have insurance when on the road. Therefore, travel trailers are no exceptions. Every state requires at least a minimum liability coverage for travel trailers on the road.

Where to Get Travel Trailer Insurance

There are plenty of agencies out there that offer travel trailer insurance and RV insurance. Before making any decisions, make sure to check several of them out. However, many travel trailer owners are unsure if the agency is giving them a good deal or not. That’s especially true for first-time owners. If you’re unsure whether you should get an insurance policy with an agency or not, then make sure you check out all your options. We suggest comparing different agencies and their quotes.

You don’t have to run around town to do this. You can use online apps and websites that compare insurance companies and their quotes and see if your agent was telling you the truth when they said their agency is the most affordable. Websites like RVLifestyleExperts.com and RV America Insurance compare agencies and the travel trailer insurance cost estimate for you.

Is Travel Trailer Insurance Worth It

Travel trailer insurance is definitely worth it. When you’re on the road or camping with your friends and family, you don’t think about potential disasters that might strike. Of course not, that’s no way to live. What’s more, drivers who are constantly scared something might happen on the road are a liability. Therefore, you should always focus on driving instead of dwelling on the impending doom as nervous drivers often do.

However, that doesn’t mean that you should act as though nothing will happen. In 2015 alone, there were 6.3 million car-related accidents in the USA. Therefore, while you aren’t obligated to ensure your travel trailer if you’re towing it, in light of these statistics, it would be a wise decision.

Not to mention, accidents and damages done in other ways put your property at great financial risk. Many travel trailer owners don’t have enough financial strength to compensate even minor damages, let alone a total loss. If you’ve paid between ten and twenty thousand for your travel trailer, paying $900 a year to ensure it isn’t that steep of a price.

Travel Trailer Insurance Companies

As mentioned before, there are many insurance companies you can turn to for travel trailer insurance. They will give you camping trailer insurance rates and the travel trailer insurance cost estimate. That way, you’ll be able to make an educated decision and purchase a policy that has the best money to value ratio.

Some of the companies we would recommend are:

• Good Sam Insurance Agency
• RV Insurance
• National General Insurance
• Progressive Insurance
• RV America Insurance
• Geico Insurance
• Blue Sky Insurance

These are the agencies voted as top insurance agencies in 2018. Many of them offer online quotes, so you’ll be able to check them out without pesky calls from their sales departments.

The Best Insurance for Camper Trailers

The best insurance for travel trailers will keep you safe from liability, collision, and comprehensive damages. However, many agencies are known to throw in a couple of bonuses in insurance policies.

Some of the agencies we’ve mentioned offer clauses in their policies for full- time campers , for example. On the other hand, if you are a first-time camper, you can find a great deal with discounts for new owners.

How Much is RV Insurance in California

Travel trailer insurance average cost varies from state to state. For example, it makes a great difference whether you live in North Carolina or in Michigan, at least when it comes to camping trailer insurance rates and the average cost of RV insurance.

North Carolina has the lowest RV insurance rates — $860 per year . That comes up to $71.66 per month. However, the state of Michigan, on the other hand, has much higher average prices — $4490 per year, which comes around $374.16 per month.

When it comes to the state of California, it falls somewhere in the middle. In California, you’ll have to set aside between $800 and $4000 a year for RV insurance. Of course, the more luxurious the vehicle you own, the steeper the price. But the average is still not as high as in Michigan.

RV insurance rates will depend on many factors in all states, not just in California. The type of the RV, make, model, and the year of manufacturing will play a significant role when it comes to the travel trailer insurance rate estimate. Furthermore, how often you use your RV and your driving record can lower or increase your rates.

RV Insurance Cost in Florida

When it comes to RV insurance in Florida, it’s a bit different than in some other states. Mainly because Florida has very low minimum liability standards. In fact, they are the lowest in the entire country. Therefore, you might need to pay for additional coverage. RV accidents and damages can be very costly. The low minimum in Florida will not be able to cover it.

For RVs, Florida has strict insurance requirements. For accidents that include one person and for accidents that involve property damage, minimum liability insurance requirement is $10,000. Meanwhile, the minimum is $20,000 for accidents that involve more people.

Tips to Lower Your Trailer Insurance

There are some ways to deduct the costs of your travel trailer insurance. You can save money and pay a lesser monthly fee if you employ some of these strategies.

Combining Policies

One of the ways to save money on your travel trailer insurance is to combine policies. You probably already have an auto insurance policy and a homeowner insurance policy. You can combine them. What’s more, many agencies offer a multi-policies discount. So if you get two or more policies with one agency, you might get a hefty discount.

For example, consider getting your travel trailer insurance and travel insurance or auto insurance at the same company , and ask for a discount .

Quote Online

This is a simple yet effective way to save money. When you ask for quotes online, you avoid the salespeople on the phone. While they can be helpful, more often than not, they will try to get you to agree to a higher premium or additional features.

What’s more, getting quotes online is less complicated than getting them over the phone or in person. It gives you more time to think about what the most effective option might be. Furthermore, everything is transparent, and you can even customize your quote. If it’s crucial to you to get coverage only for the things you need and nothing more — online quotes are the way to go.

Keep a Good Credit Score

Your credit score is essential for travel trailer insurance. Just like with your auto insurance, the agency will ask for your credit score. That way, they measure your ability to pay back a loan. However, that isn’t the only thing that interests them.

Credit scores also tell them what the odds of you filing a claim are. Therefore, don’t be surprised if your rates are higher than you expect . Even if you’ve never had any accidents, that might be due to your bad credit score.

Some agencies offer employer discounts on business travel trailers. This is another handy way to save some money on your insurance policy. However, keep in mind that some agencies only offer discounts if the employer is contributing and paying at least a portion of the premium. What’s more, there are agencies that offer discounts only if the employer pays the entire premium.

Increase The Deductibles

When you raise your deductible, you’ll lower the premiums. The relationship between deductibles and the premiums is something to keep an eye out for. When you pay in on any claims that need to be paid out, that will have a positive effect on your premiums.

We hope we’ve managed to answer your question — how much is travel trailer insurance? On average, travel trailer insurance varies not only by state but based on many other factors as well. If you’re thinking of purchasing a travel trailer, then this is something you definitely need to consider.

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TrustedChoice.com Article

How will this quote help me?

Your quote is based on several common factors to give you a clear picture of the cost you can expect, though an independent agent can shop around and maybe even improve your rate!

NOTE:  This quote is not final, though we did work with professional actuaries to help get you a ballpark figure to get started.

What is RV insurance?

Simply put, it's protection from being stuck with massive out of pocket costs after certain unexpected, and covered, circumstances like road accidents, theft, and natural disasters. 

There are a number of different types of RVs, including motorhomes and campers, with different coverage needs and laws for each. To find the right insurance protection, contact an  independent insurance agent  in our network. A local agent can help you compare several different RV insurance quotes and find the right coverage for your needs.

What does RV insurance cover?

RV insurance covers many of the similar risks that your standard auto insurance does, like collision, comprehensive, and liability coverage. However, since RVs are also used as a residence-on-the-road, you can get additional protection for your personal belongings on board, equipment, and even attached accessories like awnings and satellite dishes. 

When you work with an independent insurance agent, they can help you identify your own unique needs and get the coverage that's best for you. 

How does RV insurance work?

RV insurance protects you from excessive out of pocket costs in the event of a loss, bodily injury, property damage or even provide compensation for a roadside breakdown.

As an example of how RV insurance works, consider a few examples of accidents or trouble you could encounter with your motorhome on a vacation. Your RV insurance would potentially cover you in the following ways:

• If you have uninsured/underinsured motorists coverage and another driver collides with you but is not insured, your insurance company will pay for your damages. The amount of compensation you receive depends on the damage, your deductible amount, and your policy limits.
• If you're at fault for an accident, the other driver will file a claim with your insurance company. Your insurer will pay the claim up to the limits of your liability policy. You will pay the costs of any damages, injuries, legal fees, or judgments out of pocket beyond the limits set on your policy.
• If your RV is disabled after a crash and has to be towed, your insurance will cover some or all of the costs of towing.
• If your RV is stolen, or is damaged due to a hail storm or animal, your comprehensive insurance would provide coverage for your losses, after your deductible and up to the limits you’ve selected in your policy.

How much does RV insurance cost?

The  cost of RV insurance  varies based on several key factors, including the specific RV Class, time spent on the road, and your driving history as well. Beyond that, the coverage chosen will also play a large role in deciding the cost, including the policy options and limits you choose. NOTE: a high deductible will cost less than one that's low. You can also include additional riders in your coverage for personal belongings, towing and roadside assistance coverage, etc. The more you add, though, the more you'll pay.

For reference, however, a Class A RV may cost around $2,000 dollar a year or more to insure, while a Class B may fall somewhere in between $1,000 to $2,000 dollars.

Is RV insurance mandatory?

Like car insurance, RV insurance is required in every state. All states require a  minimum amount of liability insurance ; on top of that, some require uninsured and underinsured motorists coverage, as well. 

Collision and comprehensive insurance limits are determined by you, the policyholder. But before you go setting your coverage limits too low to minimize your premiums, consider how you'll cover the costs of being in an accident without enough coverage.

Under the following circumstances, you will experience additional requirements:

• If you rent an RV
• If you live in your RV full time, you'll need full-timers insurance which has some similarities to homeowners insurance
• If you finance your RV, your lender will most likely require you to buy RV coverage before you can be approved

How much RV insurance do I need?

The RV insurance coverage you need depends on several factors, like:

• State requirements
• Motorhome Class
• Travel plans and location
• Part-time or full-time use
• Motorhome features and amenities
• Your budget

For help determining how much RV insurance you'll need, contact an independent agent who can help you learn about the requirements in your state and the specific risks you may face.

Does my car insurance cover RV rentals?

Typically, yes, your existing car insurance coverage will extend on some level to an RV rental. Depending on your policy, though, it may only cover driving-related accidents like rear-ending another vehicle or running into a mailbox. In some instances, your full auto policy will extend to an RV rental including your liability, collision, and comprehensive coverage if you have it. 

Before you hit the road, though, you may want to learn more about how your car insurance covers a vacation rental here, or speak to your independent agent to find out if you need additional protection in any way.

Where can I get the best RV insurance?

RV insurance is very common and available from nearly every large insurer out there. A simple Internet search will help you find more than a handful of respected options. However, when you choose an independent agent on TrustedChoice.com, you get the best of everything. You get one local agent who can shop multiple carriers, not just one, to find RV insurance quotes that are the perfect blend of coverage and cost. They represent some of the best companies and insurance products in the market and know how to help protect your recreational life on the road. 

Why should I work with an independent agent?

With access to multiple insurance companies, independent insurance agents are unlike any other type of agent out there. They’ll help find you the best coverage options and most competitive prices, all for free. 

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There's been a pretty big shift in the RV (or recreational vehicle) world in the past few years. On top of the large number of bucket-list-conquering retirees, more and more Gen-Xers and Millennials have begun exploring the country via RVs, motorhomes, and more.

And who can blame them? After all, with an RV, you get all the joys of the open road with the comforts of staying right on your couch. How perfect is that? 

But every new adventure requires the right protection to keep it rolling—that's where RV insurance enters the picture. A local  independent insurance agent  will help you shop multiple carriers to deliver a range of insurance options to meet your needs, from coverage to cost. Together, you and your agent will decide which is the right choice, and you'll be ready to go. Easy as that. But first, here are a few things about RV insurance you'll definitely want to know.

Types of RVs and Motorhomes

Before you can find out what type of insurance you need, you need to know how your vehicle is classified, for example:

• Class A motorhome :  these are the largest RVs on the road—pretty much a home on wheels
• Class B motorhome :  smaller-sized RVs, a Class B is more like a nice-sized van with amenities
• Class C motorhome :  mid-sized models, these are also sometimes called mini-motorhomes
• Bus conversion : a unique creation, this is a bus that's been converted into an RV
• Travel trailers :  towable motorhomes, these are typically attached by a trailer hitch
• Fifth wheels :  towable motorhomes, these are attached to a truck with a fifth-wheel hitch
• Truck campers :  Add-on campers attached to a truck bed

When you talk to your agent, you'll start here. Once you've discussed your plans and needs, you can move on to the coverages you need.

Why Do I Need RV Insurance?

An RV is a unique combo. Part home and part vehicle, it allows owners to enjoy the comforts and luxury of a home, with the mobility of a vehicle.  And despite being on wheels, it still includes homey comforts like a bed, dishes, a TV, and even a fridge. That means your policy coverage needs to be a bit more extensive, to reflect the protection you need. 

Now, you most likely financed your RV through a bank. And more often than not, the lender will require insurance for your RV in order to finalize the deal and protect their investment in you. So in this case, it is mandatory.

Beyond that, most US states require a liability policy at an absolute minimum to cover any property damage, medical costs, or legal fees that come along with an accident. 

Several states go even further, requiring  uninsured/underinsured motorist coverage  in case you're hit by another driver who doesn’t have insurance, or doesn't have enough to pay for the damage. 

Just now, required or not, proper coverage is always recommended. After all, you never know what type of incidents you'll encounter out on the road. And without the right protection in place, you'll be paying it all out of pocket.

What Does RV Insurance Cover?

Your RV insurance policy can cover a number of situations. In most cases, your coverage limits are typically up to you, with the exception of areas that have already put legal minimums in place. 

It’s important to take the time to go over how you plan to use your RV with an independent insurance agent so they can help make sure you have the coverage you need.

For convenience, some RV owners just add coverage to their personal auto policy (PAP). But beware, this can leave a significant number of coverage gaps in your personal property and liability. It’s recommended you have a higher limit on your coverage that's more inclusive of the specific incidents that occur with RVs.

One big factor in deciding the type of coverage you need is how you plan on using it. If you only use your RV occasionally for seasonal trips or as a permanent residence without moving it, you probably don't need a lot of protection. 

But if you're constantly traveling the roads, you'll need specialized coverage called full-timers coverage (See below.) 

Now that we have that established, let’s start with some standard coverage options available:

• Liability insurance :  Covers the costs associated with any injuries or property damage you're responsible for due to an accident.
• Collision :  Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
• Comprehensive :  Formally known as "other than collision," this portion of your policy covers damage to your vehicle from things like theft and weather damage.
• Personal injury protection/medical payments :  Pays medical bills and other expenses whether you’re at fault or not
• Uninsured/underinsured motorists :  Protects you financially if the other driver doesn’t have any car insurance or not enough to pay for all expenses.

Additional coverage options worth considering include:

• Total loss replacement:  Pays to replace your RV in the event of a total loss. This is usually only available for brand-new RVs that have never had a previous owner. 
• Physical damage coverage:  Covers physical damage or theft.
• Pet injury coverage:  Covers vet fees for an injury to an animal or replacement costs for death.
• Towing and roadside assistance:  Covers the cost to help fix problems or tow your vehicle to a repair shop.
• Attached accessories:  Coverage to repair or replace things like antennas and awnings.
• Personal effects coverage:  Covers personal property like dishes and sporting equipment.
• Vacation liability:  Covers the cost of bodily injury or property damage that occurs when the RV is being used as a temporary residence.

For full-timers, though, coverage options will typically require higher liability limits, closer to those of a homeowners policy.

Extend Your Coverage with Add-on RV Endorsements

Policies can carry a number of different coverages, which can typically be added through an endorsement. An insurance endorsement is an addition to your insurance contract that provides unique coverage not listed in your original policy and can include:

• Emergency expense
• Rental reimbursement
• Miscellaneous vehicles
• Loan/Lease payoff
• Coverage suspension

Understanding Bus Conversion Coverage

If you've got big dreams of converting an old bus into a new home on the road, it's important to know in advance that finding coverage can be difficult for a number of reasons, like:

• Some companies will accept only commercial buses, but will not offer insurance for a school bus.
• Some insurers only cover professional conversion jobs, not if you did the modifications yourself.
• The age, make, and model are important. Some carriers will not insure buses over 20 years old.
• The motor type, transmission, and condition are also factors.
• In many instances, an appraisal is required before they will consider providing insurance.

Insurance coverage will vary from company to company, and so will their requirements. Make sure you consult with an agent to determine if your bus conversion qualifies for coverage, or if there are adjustments you may need to make in order to be approved.

Your agent can also talk with you about whether it is possible to combine your bus conversion insurance with other policies in order to get  discounts  and savings.

Ins and Outs of Travel Trailer Coverage

Maybe a big RV or converted bus isn't your style and you'd rather tow behind a travel trailer instead. That can be just as enjoyable, as they can come in a variety of different models and can be equipped with everything from basic accommodations to elaborate living quarters with a small sleeping area, a kitchen, and even a bathroom. 

As for protecting your travel trailer, in some cases, your  auto insurance policy  will, or can, cover you, but it depends on both the trailer and the insurance carrier. Many auto policies provide some limited coverage or may completely exclude a travel trailer. Some insurance companies require that you add provisions to your existing auto coverage to include a travel trailer.

By purchasing separate conventional trailer insurance, you can rest assured you'll be protected from liability lawsuits and other mishaps. Additionally, this form of insurance will also cover your contents and provide coverage in case you have a  mechanical breakdown .

Even if your insurance company does extend your auto coverage to a conventional trailer, it's still a good idea to review the benefits of a separate policy. An independent agent is a great place to start to  compare policy rates  and options of multiple companies that carry travel trailer insurance.

How Much Does RV Insurance Cost?

Because no two RVs and their drivers are the same, no two policies are the same. Which means it's impossible to say exactly what your RV insurance will cost. 

But basically, your RV or motorhome insurance premiums will depend on the type of coverage you choose, your state’s requirements, and a few other key factors, like: 

• Where you travel:  A full-timer will need different coverage than a recreational motorist. How far you travel and where also matters, since areas with more risk will need additional protections.
• What you ride:  The type of motorhome you're driving will make a big difference, too. A truck camper or travel trailer doesn’t have the same luxe amenities as a Class A motorhome, so it’s usually cheaper to repair or replace after an accident.
• How you ride:  Your driving history is important. It tells an insurance company whether you're a risk-taker or a more cautious driver. If your driving record is full of traffic tickets and accidents, you’ll be considered higher-risk and typically pay higher premiums.

Get Lower Rates When You Bundle Your RV Insurance

Unless you live completely out of your RV, you'll most likely already have multiple insurance policies—car, home, or maybe even a boat.  If you take those existing policies and bundle them with your RV policy, you should get a nice little discount. Your carrier appreciates you investing all your business in one place, and they reward you with a great little discount.

When you work with an independent insurance agent, they can help you find the perfect carrier to provide the right coverage for your home and all your outdoor toys, simplify your insurance payments, and make filing claims easy and efficient. And who couldn't use a little more efficiency in their lives?Your independent insurance agent has your answers

Your Independent Insurance Agent Has Your Answers

Whatever you need, your agent has your back. With a brief intro into the terms, discounts, and process of your RV insurance, you know the kinds of questions to be asking. Your agent will ask you all about your RV, its use and your goals and help find the perfect blend of coverage at the right cost for you.

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I looked at different individual companies, but it was so time-consuming to fill out each individual application and keep track of them all. Trusted Choice got back to me quickly and gave me an option that worked. I ended up with Travelers, which has a great price. The online process was pretty easy. Plus, they did the legwork for me. It was a great experience.

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I tried finding insurance myself but I wasn't coming up with very much. I contacted Trusted Choice and they looked at various options and presented it to me. Everything with the agent went very smoothly... He knew exactly what we wanted and searched accordingly. I was able to choose the one that I thought was best so it worked out for me. I'm happy that I did it that way.

I needed insurance for the home that I was buying and based on the pricing, I went with Trusted Choice. The process was all done online and I didn't really have to do too much. The website was also easy to use and navigate and it was not overly intimidating. Everybody that I've dealt with also seemed good and professional. It was a positive experience.

One-On-One Attention

Every year I search for insurance to make sure that I’m getting the best bang for my dollar. I went with an independent agent because if I go through them, I get that one-on-one instead of being just a number.... The experience was great.

Really Helpful

TrustedChoice.com was real helpful when I needed to get insurance. The agent gave me the basics of what I'd be getting if I got insurance with them.

Multiple Agents

I needed a different independent agent to get insurance and I went with Trusted Choice. Their website was helpful in connecting me to two or three other agents that I was able to speak to. Their site did what I needed.

More Coverage

Trusted Choice's online process is super easy. They pulled most of the information and I ended up going with one of their recommendations. Aside from them, everybody else was too expensive. Plus, the Trusted Choice agent offered more coverage.

Great Match

Everybody at TrustedChoice.com was helpful and pleasant. They set us up with a great match and gave us our best option and price.

Best Coverage and Rates

I did a lot of searching for insurance and I went with a Trusted Choice agent because they provided the best rates and coverage. I haven't had a claim but I know I'm covered and that's good news. I would recommend Trusted Choice.

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Home > Browse the GEICO Insurance Information Center > Insurance Options For Your Coverage Needs

RV & Travel Trailer Insurance Coverage Options

RV Insurance Coverage With GEICO, Because Home Is Where You Park It

RVers encounter situations that are unique to life on the road. So with that in mind, GEICO offers an enhanced Motorized RV and Towable RV insurance policy in most states.* These enhanced recreational vehicle insurance coverages include:

Total Loss Replacement – provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price. After the seventh model year, the settlement is on an actual cash value basis. (Coverage availability may vary by state and vehicle value.)

Replacement Cost Personal Effects – pays for the replacement of your personal items in your RV that resulted from a covered loss. $1,000 or $5,000 of Replacement Cost Personal Effects coverage is automatically included at no additional cost with Comprehensive and Collision coverage depending upon the state in which the RV is rated. Additional limits of coverage are available up to $100,000 for additional premium.

Vacation Liability – pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.

Emergency Expense Coverage – pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.

Special Windshield Deductible – charges nothing for RV windshield repair, and $50 for RV windshield replacement.

Medical Payments Coverage for RVs – there are 2 types of medical payments coverage that can apply to RVs. The types available depend on the type of RV you are insuring.

• A campsite or parking site rented or owned by the customer
• Vacant property rented or owned by the customer
• A radius of 25 feet around the vehicle when parked off public roads and legally on public or private property
• Medical Payments Coverage – pays the cost of necessary medical treatment caused in an RV accident, regardless of fault. This coverage would apply to motor homes but not travel trailers.

GEICO covers motorized recreational vehicles including Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes), as well as sport utility recreational vehicles.

Travel Trailer Insurance

GEICO provides insurance coverage for towable RVs and travel trailers, including:

• Conventional travel trailers
• fifth-wheel travel trailers
• travel trailers with expandable ends
• folding camper trailers and truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Steer clear of bumps in the road with RV insurance from GEICO! Call 877-GEICO-RV (434-2678) to speak to one of our RV insurance specialists, Mon-Sun from 8:00 AM - 11:00 PM (ET).

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also chat for immediate help.

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Insurance Terms

How much does RV insurance cost?

$500 – $1,500 average cost per year.

Average RV insurance cost

RV insurance costs $500 to $1,500 per year on average, depending on the size, type, usage, and level of coverage you choose. The average RV insurance cost per month is $15 to $50 for a travel trailer, while insuring a self-propelled, Class A, luxury motorhome averages $50 to $200 per month .

RV insurance cost per month by type

Monthly RV insurance rates vary depending on the type of RV. An RV you drive typically costs more to insure than one you tow behind another vehicle. In general, the higher your RV's value, the more you'll pay to insure it.

Towable RV / trailer

Towable RVs or trailers typically do not require liability insurance because the towing vehicle's liability insurance extends to the trailer. However, you'll need comprehensive and collision insurance to cover damage to the trailer itself.

Towable RVs include travel trailers, teardrop campers, pop-up campers, 5th-wheel RVs, and toy haulers.

Most towable trailers range from 10 to 40 feet in length and weigh 1,000 to 12,000 pounds.

Motorhomes are drivable RVs that function as both a vehicle and a living space. Motorhomes cost more to insure than towable RVs because they have more features and cost more to repair or replace. These "homes on wheels" are categorized into three classes, with varying sizes, values, and corresponding insurance rates.

A new RV costs $20,000 to $100,000 for a towable model or $50,000 to $600,000 for a motorhome, not including insurance, fuel, or other costs of ownership.

RV insurance cost calculator

The type and level of coverage greatly impacts RV insurance rates. However, other factors also play a role in determining your rate, including:

High vs. low deductible: Opting for a higher deductible—the amount you pay out of pocket before insurance kicks in—can lower your premium costs. However, it's important to choose a deductible you're comfortable paying in case of a claim.

Reimbursement model: Premiums are lower for a policy that pays the RV's depreciated value than for one that replaces your totaled RV with the same model or one with similar features. "Agreed value" is another option where the provider pays an amount you both agree upon when setting up the policy.

RV age: Your RV's age, type, and condition impact your insurance rate. Older RVs are sometimes more expensive to insure than newer models due to their increased risk of mechanical issues. However, newer models typically carry higher value, which can also affect insurance premiums.

Full-timers who live in their RV year-round typically pay more than occasional users, with some policies and premiums similar to homeowners' insurance. The final cost depends on your location and whether you own the RV:

Owned vs. financed RV: Lenders typically require comprehensive and collision insurance if they loan or lease the RV to you. If you own your RV outright, you may only need liability insurance. However, comprehensive and collision insurance gives you much more protection.

Location & travel plans:

RV insurance requirements vary by state, region, and even zip code.

Rates are often higher in heavily populated areas, areas with high crime rates, and those with frequent extreme weather, as all these factors increase the risk of RV damage.

If you're planning a drive out of the country, you may need additional coverage.

While part-timers using the RV for recreation typically pay less for insurance coverage, mileage is also a factor. Frequent long trips may increase rates since more miles on the road means greater risk.

Driver experience & history

If you have a clean driving record, you'll likely pay less for RV insurance. Additionally, driving an RV is much different than driving a car, so a seasoned RV driver typically pays less for insurance than someone brand new to operating an RV.

Other personal history that may impact your RV insurance costs include:

Claims history: Filing frequent insurance claims, even for small incidents, could cause premiums to rise substantially over time.

Credit score: Depending on where you live, your credit score may impact your RV insurance rate. Eight states–California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon, and Utah–restrict the use of credit scores in determining your insurance rates.

RV insurance coverage options

The level of additional coverage you select has a major impact on your rates. You have several options beyond the required insurance coverage to increase your protection. The following list details some of the most common coverage options:

Comprehensive & collision:

Most lenders require this extra coverage if you've financed or leased the RV. Additionally, all travel trailers must have this coverage, even if you own them outright.

Collision covers damage from an accident, while comprehensive covers RV damage that results from other events over which you have no control, such as theft or extreme weather.

Uninsured & underinsured motorist: Many states require uninsured motorist (UM or UMBI) or both that and underinsured motorist (UIM) insurance to help cover your medical expenses if the at-fault driver does not have liability insurance at all or if the liability insurance they have is not sufficient.

Vacation liability: Standard liability insurance typically only covers damage from incidents that occur while driving the RV. Vacation liability insurance provides coverage when the RV is parked or camped.

Medical payments: This add-on covers injuries you or your passengers sustain during an accident, regardless of who is at fault.

Roadside assistance: As the name suggests, roadside assistance helps for non-collision events that happen on the road, like breakdowns, flat tires, or running out of gas.

Safety glass replacement: Standard RV insurance policies typically do not cover windshield repair or replacement.

Rental reimbursement: This add-on pays for some or all the cost if you need to rent a vehicle while your RV is in the shop after a collision or other damaging event.

Cheap RV insurance & discounts

In addition to choosing a plan with a higher deductible and a reimbursement model that offers lower premiums, you can often reduce your RV insurance rate with several additional discounts, including:

Associations: Some providers offer discounts for members of RV-related organizations, such as the Family Motor Coach Association (FMCA), or Kampgrounds of America (KOA).

Good driver: RV insurance policies are typically cheaper for people with no history of accidents or violations. Additionally, some companies discount your rate if you remain accident free for a certain length of time.

Loyalty / continuous coverage: Insurance companies sometimes offer discounts for drivers who've been insured continuously for a specified amount of time, as this signals that the driver is lower risk than one who let their insurance lapse for any amount of time.

Military: Veterans or active-duty military often receive an additional 5% to 15% discount.

Multi-policy: Consider bundling your RV insurance with your other insurance policies to get a discounted rate. Most insurance companies who offer home, renters, and auto insurance also offer RV insurance.

RV safety features: RVs with anti-theft devices, backup cameras, stability control and other safety features may qualify for additional discounts. Keep records of any upgrades you make to the RV to help maximize your coverage.

Safety education: Some companies discount your RV insurance if you complete a safety course.

Storage: Insurance plans cost less if you store your RV for part of the year. However, confirm your coverage terms to ensure you have the protection you need, as some policies do not cover the RV during the storage time.

Ask your potential insurance provider if they offer an extra discount for choosing paperless statements. Digital communication saves the insurance company money, so they may pass some of that savings down to you.

RV insurance FAQs

Is rv insurance required.

RV insurance requirements vary based on the state, RV type, and whether you own or lease it. All states require liability coverage for drivable RVs, but the required minimum amounts also vary by state. For towable RVs like travel trailers, the towing vehicle's coverage typically extends to the trailer.

What type of insurance does an RV need?

Like car insurance, most RVs need insurance to cover the RV itself as well as liability insurance to protect you financially if the RV causes damage or injuries to others or their property. While not all states require it, consider full coverage options, especially if you call the RV "home" full- or part-time.

What is vacation liability RV insurance?

Vacation liability RV insurance covers claims for damage or injuries that happen while your RV is parked and while you’re camping or using it for recreational purposes. Most standard liability insurance policies only cover damage or injuries that occur when the RV is on the road.

Does RV insurance cover water damage?

RV insurance may cover water damage depending on the policy and the circumstances of the damage. Comprehensive policies typically cover water damage caused by events out of your control, like a hailstorm or hurricane. Collision insurance coverage may cover water damage resulting from an accident.

You may need additional coverage for flood damage. Check your policy terms or discuss your coverage and options with a qualified insurance agent to ensure you have a level of coverage with which you are comfortable.

Are RV awnings covered by insurance?

Most comprehensive or collision RV insurance policies cover awnings if the damage occurred by a covered event, such as a vehicle accident or a natural disaster. Liability-only policies do not cover awning damage. Additionally, most policies don’t cover damage due to normal wear and tear.

Is RV insurance cheaper than car insurance?

RV insurance is often cheaper than car insurance since RVs are used less annually than cars in many cases. However, rates vary based on many factors. Insuring a towable travel trailer typically costs less than car insurance, but insuring a fully loaded, Class A, luxury motorhome may cost much more.

How to find the best RV insurance

Before contacting RV insurance companies near you for quotes, decide how much coverage you want and how much you're willing to pay out of pocket if your RV is damaged. Then follow these guidelines:

To get the most accurate quotes, provide all the details about your RV—the make, model, features, age, and condition—as well how many days per year you use it.

Check out insurance company reviews on HomeGuide and Google to see if they are known to frequently raise premiums or deny a lot of claims.

Look on the company websites for current rate information and cost calculators.

Compare at least 3 quotes with similar details from different insurance companies.

Compare the coverage details of each policy and choose the one that best fits your needs and budget.

Questions to ask an RV insurance agent

Asking the right questions ensures you know exactly what the insurance policy costs and covers.

How much insurance do I need for my RV?

What additional coverage do you recommend, and how much does it raise my rate?

Does the policy cover personal property inside the RV?

Are my RV upgrades covered by this policy?

Does the policy cover towing and other roadside assistance?

Am I still covered if my usage increases?

I live in my RV. Do you offer "full-timer" RV insurance?

What reimbursement methods do you offer, and which do you recommend for me?

Do I qualify for any discounts?

What is the payment frequency?

Which payment methods do you accept?

Using our proprietary cost database, in-depth research, and collaboration with industry experts, we deliver accurate, up-to-date pricing and insights you can trust, every time.

RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

• RVs with more than four wheels.
• Drivers not listed on your policy.
• Rentals longer than 30 days.
• The full value of the RV.
• Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

Call Progressive.

When you use links on our website, we may earn a fee.

6 Best RV Insurance Companies of 2024

RV insurance policies are designed to provide protection for various types of events, including when your vehicle causes damage or injuries to others and when your vehicle incurs damage or loss.

Like other types of vehicle insurance, there are different levels of coverage available. This includes full-time RV insurance for those who live in an RV as their permanent residence and part-time insurance for RV owners who use the vehicle on a part-time or occasional basis.

No matter how often you use your vehicle, nearly every state requires liability coverage of some sort when you operate an RV. Additional coverage available for RVs includes collision insurance , which addresses the cost of repairs in the event of an accident involving another vehicle and comprehensive coverage , which is designed to cover such incidents as vandalism and theft, among other things. There are also many different types of add-ons and discounts available when selecting RV insurance.

Below we identify the best RV insurance providers, based on extensive research and taking into consideration such factors as policy offerings, extras, information availability and transparency on company websites, and more.

Table of Contents

• Best RV Insurance
• How to Find
• How to Save

Progressive  »

Insures all types of motorhomes

Extensive variety of discounts available

Offers full-time RV coverage

Total loss replacement not available in all states

Progressive is our top choice for RV insurance based on analysis of its offerings and the competition. Progressive insures a wide range of RVs including Class A, Class B, and Class C motorhomes. It also ensures conventional trailers and fifth-wheel trailers. Not all insurers offer coverage for such a diverse range of RVs.

Progressive also makes it very easy to identify any discounts that may be available. When requesting a policy quote, the Progressive platform shows users multiple ways to save on policy costs. There’s also a significant number of discounts offered, including original owner, multi-policy, pay in full, responsible driver, prompt payment, claim-free renewal, homeowners, continuous coverage, and paperless discounts. Disappearing deductibles, which represent another option, are also offered by Progressive. As part of this discount, for every claim-free period on your policy, Progressive says it will subtract 25%and will keep doing so until you reach $0.

Progressive’s policy options include coverage for those who use their RV full-time or as a residence. Policies for these customers provide coverage similar to homeowner’s insurance, including personal liability and loss assessment. Another feature we liked, in contrast to some other RV insurance providers, Progressive’s website is detailed and very informative, making it easy to learn about the various policies available, as well as add-ons, and discounts.

One significant drawback for some: Progressive does not offer total loss replacement in all states. If you own a newer RV or a particularly expensive RV, not being able to access total loss coverage can be a dealbreaker. You will need to check with your Progressive agent or speak to an agent on the phone to determine what coverage is available in your state.

Good Sam Insurance Agency  »

Covers all types of RVs

Provides coverage in Mexico

Insurance agency, not a direct insurer

Poor customer reviews of roadside assistance

Not all RV insurance providers offer policies for full-timers, but Good Sam does. It also offers customizable coverage options designed specifically with full-time RVers in mind. For those who use their RV six months or more annually, the full-timer’s plan offers personal liability loss coverage beyond that tied to a vehicle accident. Additional options available for full-time RVers include medical payments to others, personal belongings coverage, and emergency expense allowance. And because Good Sam utilizes a network of specialty RV insurance carriers to provide coverage – unlike other firms in this article, Good Sam is an insurance agency, not an insurance company – most RVers should be able to find coverage for any lifestyles and budgets.

It’s also worth noting that Good Sam can connect you with insurers that offer coverage for travel in Mexico, which is not something all companies offer. Good Sam discounts include multi-vehicle, multi-policy, and paid-in-full. There’s also a storage discount that allows policyholders to suspend most coverage options during non-travel seasons when your RV is in storage. The company says this discount can save users an average of 53%off insurance premiums when not using your motorhome, fifth-wheel, or travel trailer.

There are some drawbacks to consider when considering Good Sam as well. Most importantly, it is not a direct insurer. It is an insurance agency. The coverage itself is provided by such companies as Progressive, Safeco, National General, and others. As a result, coverage options may vary. In addition, there have been some customer complaints lodged with the Better Business Bureau (BBB) about Good Sam’s roadside assistance, which reviewers say has failed to meet the expectations of policyholders.

National General  »

Ability to pause coverage when RV is not in use

Purchase price guarantee coverage

Website lacks detailed information about policies

Does not cover all RV types; only Class A, Class C and toterhomes

One of the most notable features of National General’s offerings is the ability to pause coverage when you’re not using your RV. This is a potentially valuable money-saving feature for those who do not intend to drive or live in their RV full-time. For months when your RV is in storage or not being used, the pause option suspends collision and liability coverage, which the company says saves policyholders as much as 53%on premium costs.

The purchase price protection add-on offered by National General is another feature worth considering, especially if you’re driving an expensive new RV. This coverage can be added to your policy within an RV's first 9 model years and it pays up to the original purchase price of an RV, in the event your vehicle is totaled and needs to be replaced.

Some customers may be frustrated by National General’s website, which isn’t as user-friendly as those of some competitors. The publicly available information about policy offerings is limited, making it difficult to get all your questions answered if you’re policy-shopping online. In addition, the company does not cover all RV types. It only covers Class A, Class C, and Toterhomes. But the only way to find this out is to go through the steps of obtaining a quote on the company’s website.

Also you need to be aware that coverages and discounts as well as features, benefits, and pay plans may vary by states. You will need to verify what is available for your state with an agent.

Allstate  »

Long list of coverage options

Offers full-time RV insurance

RV safety course discount

Fewer discounts listed then some other insurers

Website lacks specifics about policies

The RV coverage options available through Allstate are extensive. In addition to the basics, such as bodily injury liability, property damage liability, collision coverage, and comprehensive, Allstate offers such options as vacation liability, pet coverages, tow bar coverages, and emergency expense coverage. Allstate’s policy options also include full-timer’s liability coverage. This coverage is available to those who use an RV as a permanent residence for more than six months annually. Allstate also offers a policy discount to those who take an RV safety course, something that is not offered by all insurers.

Still, the discount options listed on the Allstate website are limited compared to the competition. Beyond the safety course discount, the potential price cuts include homeowner discount ,  married discount, pay in full discount, and paperless discount. Other companies offer a wider variety of ways to reduce policy costs.

Coverages and discounts may vary by state. Speak with an agent to see what is available for you.

Nationwide  »

Variety of discounts available

Towing coverage includes lodging and meals

Limited optional coverages

No online quote option

Nationwide offers a variety of discounts in association with its RV policies including multi-policy and multi-vehicle discounts, RV safety course, paid-in-full, good driver, prior insurance, and claims-free renewal. It also offers a discount for RV association membership, which is not offered by many competitors. Those who are members of an RV club, such as the National RV Association, may be eligible for a policy discount.

Nationwide offers comprehensive roadside assistance. Using its mobile app when roadside assistance is needed, you can track service in real time, get status updates on a driver’s arrival, and read Google reviews of area repair facilities. The emergency assistance program is available 24-hours a day and includes towing, jump start, gas delivery, flat tire changes, and winching. When you add the optional towing coverage to your policy, you’ll also get coverage for trip interruption expenses including lodging, transportation and meals.

Nationwide’s optional coverages, however, are limited compared to the competition. It offers less than a half dozen choices: roadside assistance, towing and labor, vacation liability, safety glass replacement, and replacement cost and scheduled personal effects. This can be challenging for RVers seeking coverage for such things as pets, or other unique needs. The company also does not provide the option to obtain a quick policy quote via its website. Instead, you must call and speak with an agent. The agent will be able to share what coverages are available in your state.

Coverage for motorized and towable RVs

Widely available across U.S.

Enhanced RV coverage is not available in all states

RV policy discounts not listed on Geico website

Geico is well-known for its admirable customer service and this holds true for its RV insurance. Customer service representatives are available around the clock, 24 hours a day, seven days a week. Customer service can also be reached through the Geico app or online via live chat on the company’s website. The variety of ways to communicate is not something offered by all providers and can be especially reassuring in an emergency situation.

Geico also provides coverage for a variety of motorized and towable RVs. The motorized RVs covered include Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Their travel traveler insurance encompasses conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends and even folding camper trailers and truck campers. And unlike many other insurers, Geico also covers toy haulers used to transport motorcycles and ATVs.

There are some limitations to Geico’s coverage, however. For instance, it does not provide “enhanced”RV coverage in Hawaii, Massachusetts, Michigan, or North Carolina. There’s also no information made available on the Geico website about RV policy discounts that may be available, which can make it challenging to quickly obtain a full comparison of Geico policies and options against the competition.

The Bottom Line

There’s a variety of RV insurance policy providers and options on the market, making it important to do your homework and understand the different choices and whether they suit your lifestyle, goals, and budget. If you’re a first-time RVer, be sure to ask a lot of questions so you know what you’re signing on for and what your policy will and won’t include. For sheer user-friendliness, Progressive can be a good place to start as its website provides a great deal of information up front.

How to Find the Best RV Insurance

Here are some key actions to consider when searching for the best RV insurance policy:

• Evaluate your coverage requirements. Assess the type and level of coverage you need, considering factors like your RV’s value, your driving habits, and legal requirements in your state.
• Get quotes. Compare premiums, coverage options, and potential discounts by requesting quotes from various providers.
• Review policy flexibility. Look for insurers offering flexible policy options, such as customizable coverage limits and deductible choices, to match your individual needs.

How to Save on RV Insurance

When looking for ways to reduce the cost of RV insurance, consider the following:

• Searching for  discounts. Ask about benefits like safe driver, new vehicle, and safety feature discounts.
• Bundling policies. Save money by bundling RV insurance with other home or auto insurance policies.
• Raising deductibles. A higher deductible can reduce your premiums, but make sure you can cover the out-of-pocket costs in case of a claim.
• Exploring usage-based insurance options. Some insurers offer discounts based on driving habits tracked through usage-based programs.
• Maintaining a clean driving record. Avoiding accidents and traffic tickets can help keep your premiums low.
• Improving your credit score. Maintaining a good credit score can also lower your premiums.

Do You Need RV Insurance?

Generally, RV insurance is essential to protect your investment and cover potential risks, but there are a few points to think about when deciding if you need it:

• State requirements. Many states require liability insurance for RVs, similar to requirements for cars.
• Type of RV.   Motorhomes, travel trailers, and campers may have different insurance needs. Motorhomes usually require separate insurance, while trailers might be covered under your auto policy.
• Usage. If you live in your RV full-time, you'll need specialized coverage that differs from recreational use insurance.
• Protection. RV insurance can cover various risks, including liability, collision personal belongings, and even roadside assistance.

How We Chose the Best RV Insurance

A number of expert sources were used to conduct this review. The selection was narrowed down with additional research, paying particular attention to policy add-ons, discounts, user-friendliness of websites and the transparency of available information. We also took the company’s AM Best financial strength rating into account, as well as consumer feedback from the Better Business Bureau (BBB).

Overall, we found that the best policy is one that combines a variety of coverage options, as well as a diversity of discounts and the ability to customize policies to meet your needs and RV usage styles.

WHY SHOULD YOU TRUST US?

Our contributors and editors have years of experience researching, testing, and reviewing products. Mia Taylor , the author of this piece, has nearly two decades of consumer news experience in insurance, personal finance, loans, debt, credit cards, real estate, and travel. She has worked for Fortune, Bankrate, Policygenius, TheStreet, Cheapism, Real Simple, Parents, Better Homes & Gardens

Full-time RVers will need a policy that’s specifically designed for their lifestyle. These policies are similar to home insurance policies and often include such features as personal liability and loss assessment coverage. Part-time RVs or occasional travelers will need less comprehensive coverage and may want to seek a policy that provides discounts for those times when the RV is in storage or not in use.

Some policies do cover belongings inside your RV, but you will typically need to add this type of coverage to a standard policy, which will increase your policy costs.

Some companies may provide rental reimbursement while an RV is being repaired. This would be an add-on feature, so be sure to ask about the availability of this option when shopping around.

Because trailers are not motorized, a separate policy is typically not required. In most cases, the liability insurance you have for the vehicle that’s towing the trailer will cover your trailer.

When renting out an RV that you own, you will need insurance that covers yourself during the rental period while other people are driving the vehicle. You will also need a separate insurance policy that allows you to rent your RV.

Yes, theft of personal items is often covered by RV insurance under personal effects coverage. This coverage protects your personal belongings stored within the RV, such as clothing, electronics, and other valuables.

Insurance for RVs is generally more affordable than auto insurance, offering similar coverage levels. However, the insurance cost for bigger and newer RVs can exceed standard auto insurance rates.

About Our Team

Contributor

Cynthia Burleson

Insurance Reviewer

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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How Much Is RV Insurance

Discover the factors that influence RV insurance costs, average pricing, and tips for finding the best coverage options to protect your recreational vehicle.

By Licensed Agent:    Sa El   Published :  September 19, 2024   Updated :  September 19, 2024

Owning an RV can be an exhilarating experience, offering the freedom to explore the open road and the great outdoors. However, with this freedom comes the responsibility of ensuring your RV is adequately insured. Understanding the cost of RV insurance is crucial for budgeting and making informed decisions. In this article, we’ll delve into the various aspects of RV insurance costs, including average prices, state-specific rates, and factors that influence premiums.

What Is The Average Cost Of RV Insurance?

The average cost of RV insurance can vary significantly based on several factors, including the type of RV, its value, and how often you use it. On average, RV insurance can range from $500 to $1,500 per year. This wide range is due to the different types of RVs, such as motorhomes, travel trailers, and camper vans, each with unique insurance needs.

What Is Another Name For RV Insurance?

RV insurance is also commonly referred to as motorhome insurance or camper insurance. These terms are often used interchangeably, but they all refer to the same type of coverage designed to protect your recreational vehicle.

Why Is RV Insurance More Expensive Than Car Insurance?

RV insurance tends to be more expensive than car insurance for several reasons. Firstly, RVs are typically larger and more valuable than cars, which means they can cause more damage in an accident and are more costly to repair or replace. Additionally, RVs often contain personal belongings and appliances, which require additional coverage. Finally, the usage patterns of RVs, such as long trips and extended periods of storage, can also impact insurance costs.

How Much Does RV Insurance Cost Per Month?

When broken down into monthly payments, RV insurance can cost anywhere from $40 to $125 per month. The exact amount will depend on the type of RV, the coverage options you choose, and your personal driving history.

What Factors Affect Monthly RV Insurance Costs?

Several factors can influence the monthly cost of RV insurance. These include the age and condition of the RV, the amount of coverage you select, your driving record, and the frequency with which you use the RV. Additionally, where you store your RV when it’s not in use can also impact your premiums.

How Much Is RV Insurance By State?

RV insurance costs can vary significantly from state to state due to differences in regulations, weather conditions, and the cost of living. Below, we’ll explore the average costs in a few specific states.

How Much Does RV Insurance Cost In CA?

In California, the average cost of RV insurance ranges from $800 to $1,500 per year. Factors such as the high cost of living and frequent natural disasters like wildfires can drive up insurance premiums in this state.

How Much Is RV Insurance in GA?

Georgia residents can expect to pay between $600 and $1,200 annually for RV insurance. The state’s relatively mild weather and lower cost of living contribute to more affordable premiums compared to other states.

How much Is a Travel Trailer Insurance In Texas?

In Texas, travel trailer insurance typically costs between $500 and $1,000 per year. The state’s diverse weather conditions, including the risk of hurricanes, can influence insurance rates.

How Much Is RV Insurance in Florida?

Florida’s average RV insurance costs range from $700 to $1,400 annually. The state’s high risk of hurricanes and flooding can lead to higher premiums for RV owners.

Average Cost Of RV Insurance Rates By State Chart

To provide a clearer picture of RV insurance costs across the United States, we’ve compiled a table with the average annual premiums for each state.

These figures provide a general idea of what you might expect to pay for RV insurance in different parts of the country. Keep in mind that individual premiums can vary based on specific circumstances.

How Much Is Motorhome Insurance?

Motorhome insurance, a specific type of RV insurance, can be more expensive due to the higher value and complexity of motorhomes. On average, motorhome insurance costs between $1,000 and $2,000 per year. This cost can vary based on the class of the motorhome (Class A, B, or C), its age, and how often it’s used.

What Are The Classes Of Motorhomes?

Motorhomes are categorized into three classes: Class A, Class B, and Class C. Class A motorhomes are the largest and most luxurious, often resembling buses. Class B motorhomes, also known as camper vans, are smaller and more maneuverable. Class C motorhomes are mid-sized and built on a truck chassis. The class of your motorhome can significantly impact your insurance premiums.

Key Factors That Affect RV Insurance Costs

Several key factors can influence the cost of your RV insurance. Understanding these factors can help you make informed decisions and potentially lower your premiums.

The type of RV you own plays a significant role in determining your insurance costs. Motorhomes generally have higher premiums than travel trailers or camper vans due to their higher value and complexity.

How often and how far you drive your RV can also impact your insurance rates. Full-time RVers who live in their RVs year-round will typically pay more for insurance than those who use their RVs for occasional weekend trips.

Where you store your RV when it’s not in use can affect your premiums. Storing your RV in a secure, covered facility can lower your insurance costs compared to leaving it parked on the street or in an unsecured lot.

How To Get RV Insurance Quotes

Getting RV insurance quotes is a straightforward process, but there are a few steps you can take to ensure you get the best rates.

Compare Multiple Providers

One of the best ways to find affordable RV insurance is to compare quotes from multiple providers. SimplyInsurance.com offers a quote comparison tool that allows you to compare quotes from different insurers side-by-side, helping you find the best coverage at the best price.

Provide Accurate Information

When requesting quotes, make sure to provide accurate and complete information about your RV and your driving history. This will help ensure that the quotes you receive are accurate and reflective of your actual insurance needs.

RV Insurance Cost Calculator

Using an RV insurance cost calculator can help you estimate your premiums based on various factors such as the type of RV, its value, and your driving history. SimplyInsurance.com offers an easy-to-use calculator that can provide you with a quick estimate of your insurance costs.

How To Use The Calculator

To use the RV insurance cost calculator, simply enter details about your RV, including its make, model, and year, as well as information about your driving history and how often you use the RV. The calculator will then provide you with an estimated premium based on this information.

RV Insurance Cost Vs Car Insurance

Many RV owners wonder how the cost of RV insurance compares to car insurance. While both types of insurance provide coverage for vehicles, there are some key differences that can impact the cost.

Is Car Insurance the same as RV Insurance?

No, car insurance and RV insurance are not the same. RV insurance typically includes additional coverage options that are not available with standard car insurance, such as coverage for personal belongings, appliances, and liability while parked at a campsite. These additional coverages can make RV insurance more expensive than car insurance.

What Does RV Insurance Cover In U.S.?

RV insurance in the U.S. typically covers a range of risks, including collision, comprehensive, liability, and personal belongings. Understanding what your policy covers can help you ensure you have adequate protection for your RV.

What Is A Good Deductible For RV Insurance?

The deductible is the amount you pay out of pocket before your insurance coverage kicks in. A good deductible for RV insurance depends on your financial situation and how much risk you’re willing to take. Higher deductibles can lower your premiums, but you’ll need to pay more out of pocket in the event of a claim.

Do I need special insurance for my RV?

Yes, RVs require special insurance that covers the unique risks associated with recreational vehicles. Standard auto insurance policies do not provide adequate coverage for RVs, so it’s important to have a dedicated RV insurance policy.

Common Exclusions in RV Insurance Policies

Like all insurance policies, RV insurance comes with certain exclusions. Understanding these exclusions can help you avoid surprises when filing a claim.

Wear and Tear

Most RV insurance policies do not cover damage resulting from normal wear and tear. This includes issues like rust, corrosion, and mechanical breakdowns.

Intentional Damage

Damage caused intentionally by the policyholder or other insured individuals is typically not covered by RV insurance policies.

How Much Coverage Do I Need As A RV Owner?

The amount of coverage you need as an RV owner depends on several factors, including the value of your RV, how often you use it, and your personal risk tolerance.

Full-Time vs. Part-Time Use

If you live in your RV full-time, you’ll need more comprehensive coverage than someone who uses their RV for occasional trips. Full-time RVers should consider additional coverages such as personal liability and contents coverage.

Is RV Insurance Required By Law In America?

RV insurance requirements vary by state, but most states require at least liability coverage for RVs. It’s important to check your state’s specific requirements to ensure you’re in compliance with the law.

Are There Penalties for Not Having RV Insurance?

Yes, failing to have the required RV insurance can result in penalties such as fines, license suspension, and even impoundment of your RV. It’s crucial to maintain the necessary coverage to avoid these penalties.

Types of RV Insurance Coverage

There are several types of RV insurance coverage available, each designed to protect different aspects of your RV and your travels.

Can I use my RV as a primary residence?

Yes, many people use their RVs as primary residences. If you plan to live in your RV full-time, you’ll need full-timer’s insurance, which provides additional coverages similar to homeowners insurance.

How to Lower Your RV Insurance Premiums

There are several strategies you can use to lower your RV insurance premiums without sacrificing coverage.

Bundle Policies

Many insurance providers offer discounts if you bundle your RV insurance with other policies, such as auto or home insurance. This can lead to significant savings on your premiums.

Maintain a Clean Driving Record

Your driving record plays a significant role in determining your insurance premiums. Maintaining a clean driving record can help you qualify for lower rates.

RV Insurance Vs Homeowners Insurance

While RV insurance and homeowners insurance both provide coverage for your living space, there are some key differences between the two.

Coverage Differences

Homeowners insurance typically covers your home and personal belongings, while RV insurance covers your RV, personal belongings, and liability while on the road. If you live in your RV full-time, you’ll need additional coverages that are not included in standard homeowners insurance policies.

Taking Action

Now that you have a comprehensive understanding of RV insurance costs and coverage options, it’s time to take action. Whether you’re a first-time RV owner or looking to switch providers, SimplyInsurance.com can help you find the best coverage at the best price. Use our quote comparison tool to get started and ensure your RV is protected on all your adventures.

Frequently Asked Questions

Which is better, term or whole life insurance.

Term life insurance is generally better for most people because it offers lower premiums and straightforward coverage for a specific period. Whole life insurance, on the other hand, provides lifelong coverage and a cash value component but comes with higher premiums.

How do I get a life insurance policy?

The best way to get a life insurance policy is by shopping online. Websites like SimplyInsurance.com make it easy to compare quotes and apply for coverage without the hassle of dealing with multiple agents.

What happens to term life insurance if you don’t die?

If you don’t die before your term life insurance policy ends, you have a few options. You can renew the policy at a higher rate, convert it to a whole life policy, or let it expire.

How much is term life insurance for a 50-year-old?

The cost of term life insurance for a 50-year-old varies based on factors like health and coverage amount. On average, a $250,000 20-year term policy for a woman in excellent health costs around $26.42 per month.

ABOUT THE AUTHOR

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

Watch CBS News

Hurricane Helene hits Florida homeowners already facing soaring insurance costs

By Aimee Picchi

Edited By Alain Sherter

Updated on: September 27, 2024 / 3:40 PM EDT / CBS News

As Hurricane Helene barreled through Florida, the storm's winds and flooding left a trail of damaged homes in its wake, causing up to an estimated $6 billion in  private insurance losses , according to global reinsurance broker Gallagher Re.

As homeowners assess the damage, the storm is again drawing attention to wobbly Florida's property insurance market. Soaring premiums have squeezed homeowners, who shouldered a 45% increase in insurance rates from 2017 to 2022, according to a recent  report from the Florida Policy Project.

The average annual premium for a Florida homeowner is $5,500 — about 140% higher than the average U.S. homeowner's insurance premium of $2,285, according to Bankrate. The spike in costs sometimes leads people to forego insurance altogether, with some Florida residents telling CBS Miami that they've been socked with rates reaching $20,000 per year. 

With extreme weather becoming more frequent and destructive due to climate change, homeowners in parts of the U.S. facing mounting risks are likely to see significantly higher insurance costs in the years ahead, according to a June  paper from experts at the University of Wisconsin and University of Pennsylvania. 

"Property insurance serves as the front line of defense against climate risk for homeowners and real estate investors," the researchers noted. "By 2053, we estimate that climate-exposed homeowners will be paying $700 higher annual premiums due to increasing wildfire and hurricane risk."

Separate  research  from Harvard University, Columbia University and the Federal Reserve found that Florida ranks among the top U.S. states for projected future economic losses linked to climate change.  

But insurance industry losses in Florida are affecting property coverage in the present, as well. Traditional insurers have pulled back from offering home policies in the state, especially in its more disaster-prone regions, with the insurer-of-last resort, Citizens Property Insurance Corp., and newer insurers picking up the slack. 

At the same time, those insurers are facing higher rates from reinsurance companies, which are financial businesses that offer insurance for insurers. Because insurance companies can get financially flattened by an extreme storm or other catastrophic event, they often turn to reinsurance companies to help mitigate the risk.

"Florida, much more than any other state in the country, is exposed to the global reinsurance market," Jeff Brandes, founder and president of the Florida Policy Project, told CBS MoneyWatch. 

Hurricanes highlight why reinsurers "are very cautious about lowering prices, which definitely impacts Floridians," Brandes added, while noting that initial damage assessments suggest Helene's impact on Florida properties appears to be less severe than initially feared.

"If this had shifted a few degrees east and hit Tampa Bay, the damages would be 20 times greater," he said. 

In the meantime, recent reforms to Florida's insurance market may provide some relief to cost-burdened homeowners. Republican Gov. Ron DeSantis signed a sweeping property insurance bill at the end of 2022 that aims to deter frivolous lawsuits and limit insurer costs.  

Although that could help stave off rate increases in the short term, over the longer term Florida homeowners and insurers might be powerless as the planet continues to warm. 

"As losses from climate change worsen, the financial stability risks of insurers is likely to become even more pronounced," noted the researchers from Harvard, Columbia and the Fed. "We are likely to see policymakers face difficult tradeoffs in maintaining affordability, availability and reliability of insurance markets."

• Homeowners Insurance

Aimee Picchi is the associate managing editor for CBS MoneyWatch, where she covers business and personal finance. She previously worked at Bloomberg News and has written for national news outlets including USA Today and Consumer Reports.

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What does rv insurance cover.

Comprehensive coverage provides an added layer of protection for events that don't involve colliding with other vehicles. Examples include fire, theft, vandalism, falling objects and hail damage.

This coverage helps you and anyone riding in your RV in the event of an uninsured vehicle accident or hit-and-run. It helps pay for bodily injury damages up to your policy’s limit.***

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The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

*Customers who bundle their auto, homeowners, and RV insurance may save up to 26% on their auto and home policies together (as of July 2022). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or home policy. Discounts do not apply to RV policies.

**Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the auto and/or homeowners policy. Discounts may not apply to all coverages on an auto or property policy. Discounts do not apply to a life policy. Some restrictions may apply.

***Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.

Auto insurance rates are jumping the most since the 1970s, but there could be relief soon

Soaring auto insurance costs have been a principle driver behind inflation over the past year, but there could be relief on the way, according to Bank of America.

The bank’s economists see several driving factors behind the run-up in costs to ease in the months ahead, possibly taking some of the heat off a category that has  pushed the Federal Reserve  to keep up its inflation fight.

“The turbocharged increases in motor vehicle insurance premiums are a response to underwriting losses in the industry. Insurers saw losses,” BofA economist Stephen Juneau said in a note. However, he added, “There are signs that many insurers are getting back to profitability.”

Primarily, the hit to insurers, which has been passed on to consumers, arose from three sources: higher vehicle prices, increased costs for repairs and “more accidents as driving trends returned to normal,” Juneau said.

There’s some good news on that front.

Sales prices for new and used vehicles have been trending lower in recent months and are down 0.4% and 6.9%, respectively, on a 12-month basis, according to  Bureau of Labor Statistics data  through April. Also, repair and maintenance services costs were flat in April though still up 7.6% from a year ago.

Motor vehicle insurance costs, though, continued to soar.

The category rose 1.8% in April on a monthly basis and was up 22.6% from a year ago, the largest annual increase since 1979, according to Bank of America.

In the CPI calculation, auto insurance has a weighting of nearly 3%, so it’s a significant component.

The recent trends probably do not “mean that your premium will fall, but we think the rate of increase should slow,” Juneau said.

That has been the general story with inflation: prices are not falling, but the rate of increase is well off the pace of mid-2022 when inflation hit its highest level in more than 40 years. Overall  CPI inflatio n ran at a 3.4% annual rate in April.

There’s one other tidbit of good news when it comes to Fed policy.

The central bank’s primary inflation barometer is the Commerce Department’s measure of personal consumption expenditures, not the consumer price index from the BLS. In the PCE gauge, auto insurance has a smaller weighting, meaning it is less of an inflation driver.

If the BofA forecast for insurance disinflation is accurate, it could at least give the Fed more confidence to start cutting rates later this year. Current market pricing is indicating an expected first cut in September, with one more possible before the end of the year.

“We think further improvement in this aggregate is one key for the Fed to become more confident in the disinflationary process and start its cutting cycle,” Juneau said. “Until then, we expect the Fed to keep rates in park.”

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Jeff Cox is a finance editor with CNBC.com where he covers all aspects of the markets and monitors coverage of the financial markets and Wall Street. His stories are routinely among the most-read items on the site each day as he interviews some of the smartest and most well-respected analysts and advisors in the financial world.

Over the course of a journalism career that began in 1987, Cox has covered everything from the collapse of the financial system to presidential politics to local government battles in his native Pennsylvania. 

Florida homeowners still face an insurance crisis in the wake of Hurricane Helene

• Hurricane Helene has left millions without power and at least 30 dead as of midday Friday.
• Like all storms, this hurricane highlights residents' ongoing struggles with home insurance.
• Sky-high insurance premiums and extreme weather have already prompted some Floridians to move.

Hurricane Helene, which the National Hurricane Center called "extremely dangerous," made landfall in Florida as a Category 4 hurricane Thursday night but has since been downgraded to a tropical storm, NBC News reported .

According to USA Today , there have been at least 30 deaths reported in Florida, Georgia, South Carolina, and North Carolina as of 3:45 p.m. Eastern time on Friday.

About 950,000 million Floridians, 1 million Georgians, 1.2 million South Carolinians, and 750,000 North Carolinians were without power as of midday Friday, according to utilities-tracking website poweroutage.us .

While southeastern states are being hard hit on Friday afternoon, the damage and death toll in Florida is — so far — less than many feared. But the storm calls into focus an already difficult part of living in Florida: home insurance.

As natural disasters become more commonplace due to the climate crisis, home insurance has become a major pain for residents in states like hurricane-prone Florida and wildfire-plagued California.

Florida was the fastest-growing state in 2022, according to Census population data, but some residents have since started souring on the Sunshine State, in part because of rising prices — including increasingly expensive insurance premiums.

The typical Florida household paid over $10,000 for home insurance in 2023, according to data from Insurify, and property insurance costs are rising at the fastest rate in 20 years, according to Capital Economics.

Multiple home insurance providers have left the state entirely, and longtime Floridians have started to get priced out of coastal towns.

The extreme weather patterns are driving some to relocate to the center of the state — or even out of state — in an effort to avoid storms and the insurance premiums they drive up.

John and Natalia moved to Dell Prairie, Wisconsin, from Plantation, Florida, just west of Fort Lauderdale, when their home insurance doubled to $12,000 a year after they replaced their roof.

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"Before the roof, we paid about $6,000 for our insurance premium," John told Business Insider in 2023.

"But our premium still doubled from the year before," Natalia added. "Before we left, we were paying $12,000 for insurance."

Helene comes just one year after Hurricane Idalia sparked massive damage across Florida's panhandle. Hurricanes today are stronger, slower, and wetter because of rising temperatures.

The high cost of home insurance sometimes prompts people to go without it.

According to an analysis of US Census data by NBC News, around 18% of homeowners in Florida are without home insurance.

In some of the more populous counties in Florida, like Miami-Dade County and Broward County, 24.6% and 21.7% of homeowners, respectively, don't have insurance. In Leon County, where Tallahassee, the capital, is located, 13.8% of homeowners are without insurance — but there are about 460,000 fewer homeowners there than in Miami-Dade County.

The amount of damage a storm causes typically affects insurance premiums. The more damage, the more likely premiums will rise at renewal.

Insurance Business reported on Friday that if Helene made landfall near Tallahassee, insurers could lose up to $15 billion. (While it did make landfall in the area, local news reported Friday that Florida's capital did not suffer a direct hit .)

The Florida Office of Insurance Regulation estimated Hurricane Idalia — which made landfall in Florida as a Category 4 in 2023 — totaled more than $309.5 million in losses.

Helene, which mostly affected the northwestern part of Florida, may end up causing less damage than feared because there are fewer people in the panhandle.

"This looks like it will not be a large loss event for Florida insurers," Mark Friedlander, a spokesperson for the Insurance Information Institute, an insurance information organization, told the Tampa Bay Times .

Watch: Florida is underwater, and more storms are coming

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