RV Insurance FAQs

Frequently Asked Questions for RV Insurance

  • How can I get the best RV insurance rates?

    You have some control over your RV insurance rates. All it takes is a little planning and preparation. Here are some quick tips to get a competitive quote.

    • Where you store your RV matters. Take time to find a secure facility to safely store your RV during off-season or when not in use.
    • How and when you use your RV may also affect your RV insurance rates. Part-time RV'ers could pay less than someone who spends several months each year traveling in their RV.
    • Don't forget discounts! When calling GEICO to get an RV insurance quote, be sure to ask about discounts you may be eligible for.
    • Deductibles can change your rates. Increasing your deductible is one way to save on your RV insurance premium. Just be sure to set aside the money in case of an emergency.
    • Safety pays. Maintain a safe driving record with your RV and regular automobile insurance.
  • What kind of RV is right for me?

    RV's come in a variety of shapes and sizes designed to meet the travel needs of the most basic camper to luxury accommodations. Begin by deciding if you prefer to drive the RV or tow the RV when traveling. Next, decide on size. This can help you narrow down your search.

  • What are the different classes of RVs?

    There are 3 categories of RVs broken up by size and amenities.

    Class A:

    • Offers many of the comforts of home
    • Luxurious and customizable
    • Resemble a bus, usually 30-40 feet long
    • Can sleep up to 8 people

    Class B:

    • Mid-sized motor homes
    • From 16 to 20 feet in length
    • Can sleep 2 to 6 people
    • Popular size for retirees and small families

    Class C:

    • Often called "mini motor homes"
    • Known for versatility
    • Emphasize convenience with "slideouts"
    • Room for up to 10 people
  • Is a travel trailer right for me?

    Travel trailers are great for an individual or couple who wants an all-in-one RV. They combine the best of both worlds. Easy to drive and even easier to relax in, these are a popular among those who like to just get up and go.

  • Is a folding camping trailer right for me?

    Folding camping trailers are an affordable option. Also known as "pop-ups", they're loved by many children and families alike.

  • Is a fifth-wheel trailer right for me?

    Fifth-wheel trailers are like travel trailers but have an extension that sits over the tow vehicle, mounted with a wheel-like apparatus (hence, "fifth-wheel"). The extra space often serves as an additional sleeping area for guests.

  • Does my RV insurance cover mold and mildew?

    Preventing mold and mildew is important for RV owners to prevent potential health problems and financial loss. Unfortunately, most RV insurance doesn't provide coverage for this type of damage.

  • How can I help prevent mold and mildew from messing up my RV?

    Mold and mildew are preventable problems that are rarely covered by your RV insurance but could substantially reduce the appraisal of the RV. Here are a few tips that can help prevent mold and mildew in your RV:

    • Routinely check gaskets and seals. Making sure that your RV is well-sealed is one of the first steps to preventing a future moisture problem that could lead to mold or mildew.
    • Allow air to circulate. Air circulation is critical in preventing mold and mildew in an RV, especially in humid environments. Keep air filters clean and maintain proper circulation at all times.
    • Keep it clean. Use a simple solution of bleach and water when cleaning showers, sinks, or other areas associated with high humidity.
    • Prompt repairs. Make sure all repairs are performed promptly and by a reputable service provider. Be sure to test the seal for window, vinyl, or other repairs where moisture could become a problem.
    • Leaks. Potential source of leaks include sinks, hook-ups, and toilets. Schedule a routine leak inspection.
  • What do I do if I'm involved in an accident with my RV?

    Accidents happen but that's why you have insurance. If you need to file a claim, having the following info will make it easier:

    • Take pictures of the inside and outside of your RV and keep the photos in a secure location, in case a claim happens.
    • Keep a logbook of mileage, maintenance, and destinations. Not only is it a great way to preserve your memories, it's an invaluable resource should a claim arise.
    • Keep receipts for any upgrades, repairs, and customized enhancements you add to the RV. At least once per year be sure to document changes to the RV and add the receipts to the photographs and logbook.
    • Keep the number of your GEICO representative available along with a copy of your RV insurance and policy number.
  • How can I avoid common RV problems?

    One way to help keep your RV insurance rates low is to avoid problems. Take time to learn from the errors of others by reviewing these common RV mistakes:

    • Gas leaks: RVs can experience accidental fires due to leaking LP gas lines. Make sure to get your LP gas system thoroughly checked by an authorized RV repair facility annually.
    • Blown tires: A blown tire might seem like a minor inconvenience, but it can cause an accident that is dangerous to yourself and others. Make sure your tires are in good condition. Never overload the RV and always maintain proper inflation levels. RV tires also crack very easily. Make sure to check the sidewall of the tires for cracks regularly.
    • Measure your RV including the AC then add an additional foot to the measurement to be on the safe side. Write it down and place it on a visible location especially if you are renting or borrowing an RV for vacation. This can help prevent you from driving into a bridge, overhang, or other clearance problems.
  • What are common problems new RVers encounter?

    Check out these tips. You'll be an RV pro in no time!

    • Don't forget the wheel chocks. Nothing changes a fun filled family vacation into a not so fun time quicker than chasing your RV down the road because you forgot the wheel chocks. A sure-fire memory maker the kids (and your spouse) won't soon forget, make it a standard practice to always use wheel chocks. It will save your pride and preserve your RV insurance rates.
    • Make sure your sewer connector is long enough. Don't end up stumbling outside in the dark while trying to locate the sewer connector that is located 20 feet away from your RV that came with a standard 10 foot hose. A good hose is a good investment and the longer the better.
    • Adult drivers only. In fact, make it mandatory that all adults take an RV driving class even if they don't plan on driving the RV. If an emergency happens to arise, you want to make sure all available drivers have experience driving an RV.

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.