RV and Motorhome Insurance Coverage

Motorhome insurance or travel/camping trailer insurance?

Not sure which to pick? It’s easy with State Farm®. Choose motorhome insurance if what’s to be insured is driven with a steering wheel in your hands. Choose travel/camping trailer insurance if what’s to be insured is towed, or can’t be driven on its own.

What sets State Farm RV Insurance apart?

19,000 agents

You get a dedicated agent with every policy. If you need a hand, your State Farm agent is ready to help.

Since 1922

You get the same reliable service from the largest auto insurance provider in the U.S.1

At your service

You get your claim handled promptly and reliably.

At your side

You may be eligible for 24/7 roadside assistance coverage.

Types of RVs insured

State Farm offers RV insurance for multiple motorhome types.

Class A
Class B
Class C
Class B Plus
Super C
Truck/Van campers

What RV insurance covers

Insure your recreational vehicle — or truck and van camper — against damage and loss caused by common risks, such as fire, storms, theft and collision. Property covered can vary, so what coverages are available?

Bodily injury to someone else or property damage that you accidentally caused while driving your motorhome
Damage to your motorhome caused by an accident
Emergency Road Service in the event of a breakdown while traveling in your motorhome
Bodily injury to yourself because of an accident with an uninsured motor vehicle
Theft, fire, vandalism and other losses even while your RV is in storage

Coverage in action

Let’s say you accidentally back your RV into a light pole in a parking lot and it causes damage to the back bumper. RV collision coverage would help cover the repairs to your motorhome.

Covering what’s inside your motorhome

Items such as jewelry, cameras, bicycles, fishing equipment, golf clubs, and even the things that make your motorhome feel like home may need extra protection. Help ensure they’re also covered with a personal articles policy.

Frequently asked questions about RV insurance

State Farm RV Insurance provides coverage against damage and loss caused by common risks, such as fire, storms, theft and collision.

Since you’re driving your motorhome like you would a car, most states require liability coverage.

It depends on your level of coverage but you might be able to get an annual premium for under $1,000.

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

Wearing a red hoodie and State Farm polo shirt, a bald and bearded State Farm agent smiles

Additional vehicle insurance

Boat insurance

Coverage for your watercraft

ATV & Off-road insurance

Coverage for your off-road vehicle

Motorcycle insurance

Coverage for your motorcycle

Travel trailer insurance

Coverage for your travel trailer

Car insurance

Coverage for your auto

Antique car insurance

Coverage for your antique car

Simple Insights®

Looking for more about RVs? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

An RV travel checklist A blue evacuation route road sign.

Preparing for a hurricane A family sits around a campfire outside their RV.

What to know before buying an RV A motorhome parked outside a brick house with a tree in the front yard.

RV roof maintenance tips

1 Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2022.

This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information, see your State Farm agent.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX