Affordable RV Insurance Quotes & Coverage

Every RV covered

What types of RVs can I insure?

From full-size motorhomes to compact campervans, Orbit finds the right coverage for your home on wheels — whatever form it takes.

Motorhomes

With motorhomes, ensure you're covered for accidents, theft, and damage. Protect your home on wheels with comprehensive coverage for peace of mind during every journey.

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Towable RVs

Whether it's a fifth-wheel or pop-up camper, towable RVs need specialized insurance covering towing, potential accidents, and damage to both the trailer and its contents.

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Campervans

Ideal for short trips or off-grid adventures, campervans require insurance covering both the vehicle and its living space, including accidents and roadside emergencies.

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Travel Trailers

Travel trailers offer comfort on the road but need the right coverage to protect against theft, damage, and liability during both long hauls and weekend getaways.

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Fifth Wheels

Large and luxurious fifth wheels carry significant value. Comprehensive RV insurance protects your investment from collisions, weather damage, and unexpected on-road events.

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Pop-Up Campers

Lightweight and foldable, pop-up campers still need solid protection from hail, wind, fire, and collision damage so you can explore with confidence.

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Toy Haulers

Toy haulers carry both your living quarters and recreational gear. Coverage extends to the trailer and the valuable equipment stored inside it.

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Standard Auto

Need coverage for the tow vehicle too? Our agents will bundle or pair your RV policy with the right auto coverage to make sure everything on your trip is protected.

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Why Orbit

Why Orbit is the best choice for RV insurance

Competitive Rates

We shop multiple carriers so you get the lowest rate for your RV without cutting the coverage your travels depend on.

Industry Expertise

Our licensed agents understand RV-specific coverage needs and explain every option in plain language — no insurance jargon.

With or Without a License

Coverage options available regardless of license status. Our agents will find a plan that gets you properly covered.

Any Credit Welcome

Good credit, bad credit, or no credit — your RV insurance rate is built around your situation, not just a number.

Online, Phone, or In-Person

Get your RV insured however you prefer — from home, over a quick call, or sitting down with one of our local agents.

Talk to an RV expert today

A real agent is ready to walk you through the right coverage for your RV — no pressure, just answers.

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Coverage options

What coverages can I get for my RV?

RV insurance goes beyond standard auto coverage. Here are the key protections every RV owner should consider.

Liability Coverage

Covers medical injuries and property damage to others if you cause an accident in your RV — required in most states for motorized RVs.

Collision Coverage

Covers repair or replacement costs if your RV is damaged in a collision, regardless of fault, protecting you from large out-of-pocket expenses.

Comprehensive Coverage

Protects against non-collision losses — fire, theft, vandalism, hail, flooding, and wildlife contact. Essential for any high-value RV.

Uninsured / Underinsured Motorist

Covers your damages and injuries if an uninsured or underinsured driver causes an accident involving your RV.

Full-Timer's Coverage

Designed for those who live in their RV full time, this coverage extends beyond standard policies to protect your permanent home on wheels.

Roadside Assistance

Emergency support when you need it most — towing, flat tire service, fuel delivery, and jumpstarts so you're never stranded far from help.

The basics

What is RV insurance?

RV insurance is a specialized type of coverage designed to protect recreational vehicle owners from financial losses associated with their motorhomes, travel trailers, campervans, and other recreational vehicles. People buy RVs for a variety of purposes — from camping and weekend adventures to full-time living — which exposes them to a unique set of risks. This makes proper insurance essential.

Your insurance plan typically depends on the size, type, and frequency of use of your RV. It offers financial protection against unforeseen events like collisions, theft, vandalism, fire, and extreme weather conditions. A solid RV insurance policy covers liability, collision, and comprehensive coverage to protect you from damages and financial losses that could significantly impact your wallet and your adventures.

Good to know

Frequently asked questions about RV insurance

RV insurance premiums vary significantly based on your RV type, coverage options, driving history, location, and how often you use the vehicle. Class A motorhomes typically cost more to insure than travel trailers. The good news is that because most RVs aren't driven daily, premiums are often lower than standard auto insurance.

RV insurance covers your vehicle against various hazards including road accidents, theft, vandalism, and natural disasters. You pay a monthly or annual premium, and when a covered event occurs, your insurer helps pay for repairs, replacement, medical expenses, or liability claims depending on your policy.

No — standard auto insurance does not cover your RV. It doesn't offer the customized protection your RV requires and would prove insufficient in many situations. You need a separate RV insurance policy specifically designed for your type of recreational vehicle.

Absolutely. RV insurance protects your recreational vehicle against damage, covers medical expenses after an accident, and safeguards against financial losses from theft and vandalism. Given the significant value of most RVs, the cost of insurance is minimal compared to potential out-of-pocket repair or replacement costs.

Some providers offer month-to-month or seasonal RV insurance plans, which are useful for drivers who only use their RV part of the year. Speak with one of our agents about flexible coverage options that match how and when you use your recreational vehicle.

RV insurance typically follows the vehicle. If someone drives your insured RV with permission, your policy generally covers it — but liability coverage can extend to the driver depending on your policy terms and state. Check with your agent to make sure all drivers are properly included.

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