RV INSURANCE
RV insurance, compared across the carriers that write it.
Recreational vehicle coverage is a layered product, with motorhome, travel trailer, and fifth-wheel each underwritten differently. We review the carriers that write RV in Georgia and walk you through the right structure for how you actually use the rig.
What it covers
What an RV policy typically covers.
What it covers
Liability for bodily injury and property damage
Same idea as auto liability, but RV liability limits matter more because motorhomes are larger, heavier, and often carry passengers. Georgia minimums are state auto minimums, but RV owners typically carry 100/300/100 or higher.
What it covers
Comprehensive and collision
Covers physical damage to the RV itself from collision, theft, fire, hail, falling objects, and animal strikes. Class A motorhomes can run $200K+; collision and comp pricing reflects that.
What it covers
Personal effects coverage
The contents inside the RV, such as clothing, electronics, kitchen gear, and outdoor equipment, are not covered by standard auto. RV-specific policies include personal effects with limits in the $5K to $25K range.
What it covers
Vacation liability and emergency expense
If your RV becomes uninhabitable due to a covered loss while you are on a trip, vacation liability covers temporary lodging, meals, and transportation home. Specific to recreational use, not full-timers.
Where policies have edges
Where RV coverage gets tricky.
Not covered
Full-time RV use vs. recreational
Standard RV policies assume the rig is recreational, not your primary residence. Full-timers need a full-timer endorsement with broader homeowner-style liability and contents coverage.
Not covered
Wear and tear and mechanical breakdown
Like auto, RV insurance excludes wear and tear, mechanical failure of engine or appliances, and routine maintenance. Service contracts or extended warranties handle that separately.
Not covered
Towed vehicles and toads
If you tow a car behind your motorhome, that vehicle needs its own auto policy. The RV policy covers liability for the towing connection but not the towed vehicle itself.
Not covered
Permanent residency restrictions
If the RV stays parked in one place as a long-term dwelling rather than mobile, some carriers shift it to a dwelling policy rather than recreational. Disclose your use honestly at quote.
Who needs this
Who needs RV Insurance.
Motorhome owners (Class A, B, or C), travel trailer owners, fifth-wheel owners, pop-up campers, toy haulers, and truck campers. Full-time RVers need a specific full-timer endorsement.
What it costs
What you can expect to pay.
RV premiums vary widely by class, age, value, mileage, storage location, and use pattern. A Class A motorhome valued at $200K typically runs more than a $20K travel trailer. Most Georgia RVers pay between $500 and $3,000 annually depending on rig and use.
In Georgia
How this works in Georgia.
Georgia RV registration runs through DDS for motorized rigs and through county tag offices for towed trailers. Storage location affects premium, with metro Atlanta storage typically higher than rural Georgia storage. Coastal Georgia rigs face hurricane risk and may need wind-specific endorsements.
Carriers We Compare for RV Insurance
Progressive and Foremost are the primary RV writers in our review set, with broad appetite for motorhome, travel trailer, and fifth-wheel coverage across Georgia.
Common RV Insurance Questions
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Full answer