Recreational Vehicle (RV) insurance is a specialized insurance policy designed to protect owners of camper vans, trailers, and other recreational vehicles. It provides coverage for bodily injuries and damage to your vehicle or property.

RV insurance coverage varies based on:

• The coverages you need
• How you use your RV
• The type of RV you own

Depending on your setup, you may need coverage for:

• The vehicle used to tow your RV
• ATVs, dirt bikes, or motorcycles transported in a toy hauler
• Attached accessories or custom equipment

Coverage for these vehicles is typically arranged through separate policies tailored to each vehicle type. GEICO can help you explore coverage options for multiple vehicles to ensure each part of your setup is properly protected.

RV insurance works similarly to other types of auto insurance, but coverages are tailored specifically to the needs of RV owners. Owners pay a premium to an insurance company in exchange for coverage that protects their recreational vehicle from various risks. This coverage typically includes liability protection, which covers bodily injury and property damage to others in case of an accident for which you are liable.

Additionally, RV insurance may include collision coverage to repair or replace your RV in the event of an accident, comprehensive coverage for non-collision incidents such as theft, vandalism, or natural disasters, and optional coverages like roadside assistance and personal property coverage. In the event of a claim, you would typically pay a deductible before the insurance company covers the remaining costs up to the policy's limits.

Several key factors impact the cost of RV insurance:

• How often you use your RV – Occasional-use RVs that are stored securely for part of the year may have lower premiums than units used frequently or year-round.
• Whether it's used recreationally or as a primary residence – Full-time RV living can require broader coverage, which may affect cost.
• Driving history of operators – Past accidents, traffic violations, and claims history are considered when determining your premium.
• RV condition and value – Newer, well-maintained RVs may qualify for different rates than older models or those with prior damage.
• Coverage limits selected – Higher liability limits provide more financial protection but typically increase premiums.
• Deductibles chosen – Selecting a higher deductible can lower your premium, though it means paying more out of pocket if you file a claim.
• Storage and security – Where and how your RV is stored when not in use can also influence pricing.

Because RV insurance is highly personalized, the best way to understand your cost is to get a personalized quote based on how you travel and the protection you want for your vehicle.

GEICO offers a variety of discounts you may qualify for to maximize your savings (availability varies by state):

GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page.

It's important to review your policy carefully, as RV insurance coverages and coverage amounts vary by policy and provider.

• GEICO Pest Shield Coverage™: Covers damage from rodents, insects, or vermin.
• GEICO Roof Advantage Coverage™: Pays to repair or replace the roof, including wear and tear, and related damage.

Additional RV Coverage

• Pet Insurance – Covers reasonable veterinary expenses if your pet is injured as a result of a covered loss.
• Mexico Coverage – Provides physical damage protection for your RV while traveling in Mexico when you carry Comprehensive and Collision, have Mexico liability insurance from a licensed Mexican insurer, and notify GEICO before your trip.
• Mechanical Breakdown Insurance – Adds protection for new or leased RVs by covering repairs and replacement parts for unexpected mechanical failures not caused by a Comprehensive or Collision loss.
• Full Timer's Coverage (Includes Shed Contents and Loss Assessment) – For RV owners who use their vehicle as a primary residence for more than six months. It includes:
• General Liability – Covers bodily injury and property damage you're legally responsible for when the RV is used as a permanent residence; includes up to $1,000 for damage to others' property.
• Loss Assessment Coverage – Pays for certain association-assessed charges.
• Shed Contents Coverage – Pays for items stored in a shed you own, lease, or rent; can be paired with Replacement Cost Personal Effects coverage.

When you hit the road in your RV, you want coverage that's as reliable as your home on wheels. GEICO offers specialized RV insurance designed to protect your investment, your belongings, and your peace of mind. With us, you'll enjoy:

• Competitive rates and a variety of discounts
• Coverage for full-time and occasional RV users
• Protection for personal belongings and attached accessories
• Easy access to insurance specialists who are ready to help

Whether you're planning weekend getaways or cross-country adventures, GEICO makes it simple to get the protection you need, so you can focus on the journey ahead.

Call (877) 434-2678 (GEICO-RV) to get an RV insurance quote in minutes.