Recreational Vehicle Insurance
RV and motor home insurance combines auto-style liability and physical damage with home-like protection for the belongings and features inside a Class A, B, or C motorhome. Because motorized RVs drive on public roads, California requires at least the state minimum auto liability, and options like full-timer liability and total-loss replacement may be added.
A motorized RV is part vehicle and part home, and good coverage reflects both. We help California RV owners build coverage that fits the way they travel.
Get the best RV insurance coverages for your needs
What does RV and motor home insurance cover?
- Liability for bodily injury and property damage while driving.
- Physical damage for collision and other losses.
- Home-like coverage for contents and attached items such as awnings and appliances.
- Personal belongings you carry on trips.
- Emergency expense coverage if a covered loss leaves you stranded.
- Optional total-loss replacement on eligible newer RVs.
- Optional full-timer liability if you live in your RV.
RV insurance coverage options to consider
Who needs it? Owners of Class A, B, and C motorhomes, from weekend campers to full-time travelers. Full-timer coverage may matter if your RV is your primary residence, since a standard RV policy often assumes recreational use.
Because motorized RVs drive on public roads, California requires them to carry at least the state minimum auto liability limits. Many owners choose higher limits given the size and value of a motorhome. If you take your RV across state lines, coverage typically travels with you throughout the United States.
