Welcome To RV Adventure - USA

Rv road trip planner.

It’s time to get out and explore the sites within the U.S. Travel to places you have always wanted to visit, or just get out on the road and explore.  It’s time to have the RV trip of your dreams!  

Fun, Relaxing & Memorable

Our family has traveled in an RV for over 50 years and in that time span we have crossed the U.S. many times and visited every state. We know the roads and the best places to visit.

Whether you own your own rig or need to rent one, RV Adventure-USA is here to help you. Our goal is to provide you with a fun, relaxing and memorable RV vacation that you will cherish for years to come with rv road trip planner. For more information on our RV trip planner services read “Travel the USA – RV Style” .

Our Services Include:

  • Day by Day trip planning
  • A complete road trip plan
  • Roads that are safe for RV travel and provide beautiful scenery when possible
  • Sights and attractions that you and your family will enjoy while traveling and when camped
  • RV Parks that are highly rated, friendly and safe
  • Return trips utilizing a different route if at all possible (for round trips)
  • Need an RV? We will help find the right RV rental for you and your budget.

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RV Adventure-USA is an experienced RV trip planner with RVs as our primary focus. We are dedicated to helping our customers, both domestic and international, have the most enjoyable RV vacation in the USA! Our RV trip planning is based on years of experience.  We have traveled the country with our family for decades, and fell in love with the RV adventure life!  We want to share our experience and our expertise with you, to make your RV adventure the best it can possibly be! 

RV Adventure-USA can make your trip easier and more fun with our custom RV trip planning service. Whether your RV trip is for 5 days or for several months, we have extensive experience traveling over much of the country and are always willing to help our customers plan a great trip. Because of our excellent customer service and our decades of experience, we believe the we are the best RV trip planners in the country! 

​We will provide you with personalized assistance in developing your RV trip from your starting location to your ending location (round trip or one-way).  We listen to your needs, we will make suggestions based on our own travel experience, and the end result will be the best RV trip you could possibly experience!  We take the guesswork out of RV trip planning! 

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Best RV Adventure and Trip Planner

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Today we plan over 100 trips per year, from rustic camping to resort style luxury camping.  Every trip is as unique as the people who are going on it.

We take pride in being a family run business and best rv trip planner.  Norm and Joan have been RVing for over 50 years and have traveled the US extensively.  Today, they spend about 200 nights each year in their RV.  Their passion for RV travel was passed on to their oldest daughter, Kim, and their son, John, who spent many vacations exploring the US and the outdoors.

Years later, they did the same with their grandkids.  The family legacy continues on to Tamara and Steven, the 2 oldest grandkids, who today assist in planning customer trips. We believe that with 3 generations involved in the planning process, every member of your family is considered.

We have no doubt that RV Adventure-USA is the perfect choice for planning your next RV trip. We look forward to hearing from you!

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Testimonials

“The RV, the activities were all so wonderful. my sons had the time of their lives, a real adventure they’ll never forget. I ‘ll gather some pics to share. their/our favorite activity was definitely the chopper ride over the canyon. that was extraordinary!”

“Just wanted to send you guys a “Thank You” note of appreciation for organizing a great RV trip for our family.  Hope to use your services sometime in our future or refer some of our friends.  Thanks!”

“It was truly our most memorable family vacation yet.  We are very new to RV-ing and your guidance made us feel like pros!  Your binder was our bible and literally everything we needed was at our fingertips.  You made it so easy, which finally gave my husband and i a change to ENJOY a family vacation rather than obsess about planning our next move.  We truly fell in love with RV-ing, the land, the sites.  We are so happy that we have your family to help plan all the adventures that wait us. Thanks for listening, planning, detailing with all our questions, and doing it all with a smile :)”

  • Plan a Trip

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Planning an RV trip can be overwhelming. There are lots of factors to consider, and with RVing becoming more and more popular, snagging the spots you want can be a bit tricky. Fortunately, we’re here to help as your RV travel planners!

Get Started!

If you’re ready to get started, please fill out our information collection form so that we have some details about your trip, your travel preferences, and your ideal campgrounds.

Our Trip Planners

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My name is Doug. I run the  Learn to RV  website and  Facebook group , helping people get out on the road and have a great time in their RVs. I have over 10 years of RVing experience, and 6 of those years were spent on the road full-time. I travel with my wife, two kids, and two cats, and we like to travel in comfort. Because of this, the vast majority of my travel has been in big rigs. We’ve camped in a pop-up, 2 fifth wheels (a 42′ bunkhouse and a 44′ toy hauler), and are now in a 39′ class A motorhome.

Dawn and my families met while we both were fulltime. Dawn, her husband, 6 girls, and a dog were fulltime for 5 years as well. Our families just clicked and Dawn was the first person I thought of when this RV Trip Planning thing took off.

Why Hire Us?

Wondering why you would hire us as your RV travel planning agent? Well, our many years of RVing experience part-timing and full-timing in big rigs (> 35′ travel trailers, > 40′ fifth wheels, and > 40′ motorhomes) have made us something of a trip planning experts. Not only that, we enjoy planning RV adventures, something many people find stressful and overwhelming. I find joy in snagging those sites you want so badly, and in helping you find the best places to visit and things to see as you explore this amazing country.

Benefits of Hiring an RV Travel Planning Agent

If you’re still not sure an RV travel agent is right for you, it might help to have a solid understanding of the benefits of hiring one. You might be surprised just how nice it is to hand the planning over to someone else.

Some of the biggest perks of hiring an RV travel planner include: 

  • Less stress.  Leave your planning to us, and relax knowing I’ve got you covered. No more hours on the phone trying to secure reservations or late nights spent planning a route. 
  • Claim your time back.  We all know how valuable time is, especially when you’re in a busy season of life. By hiring an RV trip planner, you take back the time you would have spent planning, so you can spend on the things that are most important to you. 
  • More fun.  As someone who has seen the country, I have firsthand experience discovering some of the most magical and exciting places. We can help you weave some of these gems into your travels, making your adventures even more amazing.

Curious to know what such an amazing service costs? Many people are surprised to learn just how affordable our RV trip planning services are.

Trip Planning Fee

We charge a $75 per week flat fee based on the duration of the trip for the planning services. There is a minimum 1-week charge and partial weeks are rounded up (e.g. 12 days = 2 weeks). This gets you a set of stops, an idea of parks that might work (but we don’t check for availability), and suggestions for things to do at each stop (for areas that we know as a group- it’s a lot, but not everywhere!). We pull it together into an RV trip plan using RV Trip Wizard or RV Parky, spreadsheet of itinerary and approximate costs, a calendar view of the stops, and a summary document of that all pulled together.

Optional Reservation Fee

Clients also have the option of having us make some or all of their camping reservations ( a credit card authorization form is required ). Those who choose this option, there is a 20% surcharge/reservation fee of the pre-tax nightly rate ( e.g. for $50/night, this would be a surcharge of $10/night ) or $5, whichever is higher ( so a $20/night stop, this would be a surcharge of $5/night ). We can make your Harvest Hosts/Boondockers Welcome stops by signing into your account and doing the work for you, these fall into the $5/night minimum fee.

Additional Charges

I despise the idea of “add-on” fees, but we’re finding that some scenarios have a significant amount of additional work for making the magic happen. These are:

  • Short notice/rushed planning – for trips that are planned within 30 days from sign-up cause quite a bit of juggling. The Trip Planning fee changes to $125/week. Note, we may not be able to accommodate trips that begin with less than 14 days notice.
  • Big national parks in the summer – for trips that include the major national parks (primarily out west), finding reservations has been proving to be very difficult. The Reservation Fee changes to 25%.
  • Florida winter snowbird/spring break – for trips to Florida in January, February, and March, finding availability is quite challenging. The Reservation Fee changes to 30%.

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Planning an RV road trip? AAA has you covered.

RV travel is more popular than ever. As you’re planning your next trip, AAA is your one-stop shop—before, during, and after your journey—for all things RV.

Whether you’re a beginner or an RV veteran, we have multiple resources to help make your trip unforgettable.

Let’s get started. You can rent or buy RVs, map out your trip, find campgrounds, and get the right gear. Plus, as always, you can count on us to be by your side at every turn.

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RV, camper and motorhome trip planning toolbox – The best ever created

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Less Pressure, more leisure

Motorhome trip planning app

RvPlanet helps busy or inexperienced travelers to focus on their motorhome trip by reducing the hassle to a minimum

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Services & Benefits

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Pick a trip

It has never been so easy to plan RV trips. After years of research and study, we found a way to make the Motorhome trip planning process accessible for everyone. The process is now simpler than ever, just set a destination from all of our amazing templates, add your unique taste, and set out to gather amazing experiences on a fascinating journey. Our formula for an unforgettable trip combines everything in a precise mix, Attractions, hiking, museums, traditional experiences, markets, cultural visits, shopping, local tours and all those stunning little hidden gems, and a lot more… So what are you waiting for? .

Helping busy or inexperienced people to make their motorhome trip planning so easy, manage to have an unforgettable experience, by focusing on the fun of the trip itself, without all the hard workaround.

If you are traveling with a motorhome, rented one or are using your own and you meet at least one of the definition below,   then our services are exactly for you:

  • You’re looking for a well balanced pre-planned itinerary, made by experts based on our 20 years experience and knowledge on motorhome trips
  • You find yourself too busy and you don’t want to spend your time on trip planning by reading boring stories by other people on the web.
  • If you are one of those who are exciting to experience new experiences, discover hidden places, smells and tastes, folklore and new culture.
  • If you find that campground booking will take you too much energy.
  • You wish to have a simple campground booking platform
  • You want to be able to customize your trip anywhere anytime
  • You want to manage all of your trip aspects in one place
  • If this is your first motorhome trip
  • If you have your own motorhome and you are looking for new travel ideas 

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The Best RV Trip Planner

RV Trip Planning has never been easier. Save time, plan safe RV routes, find great campgrounds.

Start Free 7 Day Trial Now Begin Building Your First Trip Now Not Ready to Sign Up? Try the Demo

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Best-In-Class Features

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A Visual RV Trip Planner

See the Route you are taking, with Campgrounds, Gas Stops, points of interest and more.

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Unbiased Information

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Customized to your RV

It customizes RV safe Routes to the height & weight of your RV. Avoid low clearances, steep grades, and propane restrictions.

Over 20,000 Campgrounds on Map

Over 20,000 Campgrounds

Browse from ALL Campground Affiliations (Good Sam, Passport America, etc...). No Restrictions like other tools.

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Over 57,000 Points of Interest

The fun of travel and exploring is finding unique places. We have an ever-growing list of locations to choose from.

Web-based, works on all modern browsers and devices

Web Based, No Installation

Have a web browser? Of course you do, so don't worry about downloading any applications, or applying updates. Its all built on the web.

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Rank Your Memberships

If you have a membership like Good Sam, Escapees, or dozens of others, you can rank them so you can find the best value parks.

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Understand the Cost of your Trip

The Wiz will help to estimate the cost of your trip with Gas and Campground Fees. Updated as you update your trip.

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Set Driving Times and Distances

Set your Driving Distances and the map will show you if you may have stretched yourself too thin on a leg of your trip.

How RV LIFE Trip Wizard can help you

Watch a quick video to learn about some of the many features that make RV LIFE Trip Wizard the best choice for RVers looking to save time and money with their Trip Planning.

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All The Information you need

See all the information you're looking for on your devices. Our Trip Planner is set up so you can do everything from one screen. Your trip on the left panel, your map centered, and your research panel to the right to find campgrounds, points of interest, and potential hazards.

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An RV GPS in your pocket

Combine RV LIFE Trip Wizard with the RV LIFE App, and we'll make the days you head out the road a breeze. Get RV Safe GPS routing right on your phone or tablet with the RV LIFE App. RV LIFE Trip Wizard seamlessly integrates its trips into your app.

Simple & Affordable

Hear from some people who love using it.

My husband and I are full time RVers in a 45ft 5th wheel toy hauler. I use RV Trip Wizard to plan our route. It has made my trip planning so much easier since I can filter out campgrounds that cannot accommodate our trailer. The ability to check reviews and to go to the campgrounds' websites from the app is also extremely useful. I recommend RV Trip Wizard to other RVers all the time.

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If you are worried about low bridges on your trip or where the best, low cost parks are, worry no more because this App is absolutely the best RV trip planer out there. We've tried them all and this ones smokes them all. Spot on! If you have a smart phone or a tablet, RV Trip Wizard works with either, we absolutely rely on it and would not leave our home without planning our route with this tool first. Highly recommend it…

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We took a 3 month trip last year and I looked for a good trip planner. I tried winging it with google earth and researching the internet at first. Then I found RV Trip Wizard. I thought I try it. Just a few hours in to planning our trip I was hooked. It has everything I need to plan our trips. Way worth the small price. And the great part it's got better since last years trip. They keep adding and making it better all the time. I've got this years about ready to go and a few small side trips already planned.

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Works on All Popular Computers and Tablets

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Pros and Cons of RV Travel

Motorhome vs. Towing a Trailer

Where to Park an RV

Choosing the Right RV

RV Park Review Sites

Reserving a Parking Spot

Music Festivals

Disney World

National Parks

Best for Families

Dog-Friendly RV Parks

RVing With Alcohol

Driving on Icy Roads

Accident and Emergency Guide

Best Weather Apps

How to Find Cheap Rentals

RV vs. Motel: Where to Stay

Guide to RV Warranties

Budget-Friendly Parking

Best RVs to Buy

Maximizing Gas Mileage

Buying an RV

Towing a Car

Turning an RV

Cleaning an RV

Sleeping Tips

Propane Guide

Planning an RV Trip: The Complete Guide

motorhome travel agent

Contributing $114 billion to the U.S. economy in 2019, RVing is one of the fastest-growing trends inspiring solo travelers, families, and couples to hit the road. RV travel allows you to visit areas you might not travel to otherwise. You can drive on your own time and stay at some of the most majestic places on earth.

Whether you’ve planned an RV trip before or it’s your first time, you’ll learn something from our complete planning guide.

Planning Your Trip

The great thing about planning an RV trip is the endless possibilities of destinations and the flexibility of the trip; you can rent an RV just about anywhere, meaning you can fly to a closer point, or you can leave right from your own home.

When choosing routes and destinations for a first-time trip, do your research and plan to stick to the proven routes; don’t venture off the path too much, especially if you’re not used to driving a motorhome or towing a trailer . Once you’ve tackled a few easier trips, you’ll be more comfortable going off the beaten path.

National and state parks will be expensive, and the most crowded during the summer months. Try to visit these popular spots on shoulder seasons for a more enjoyable experience. Book ahead to save the most money and make sure you can secure your entry when you plan to go.

Transportation

One of the first decisions to make: will you rent or buy an RV? Depending on how often you want to RV, buying one to call your own will be the more cost-efficient option. If you’re renting, you’ll want to rent early, off-season, and get the right size for your companions to get the best deal.

Renting an RV

Renting an RV can be done at rental agencies or dealers. If this is your first time hitting the road, we recommend renting from an agency, such as Cruise America , which will help you choose the right motorhome. Since it’s your first time, chances are you won’t have a towing vehicle or want to tow a trailer; you’re not used to towing, so going with a motorhome will be more comfortable and safer for you on the road.

Here are a few things to keep in mind about renting an RV:

  • Prices will fluctuate based on availability and seasonality.
  • Motorhomes will go between $175 to $275 per night on average for an older model (10 years and older), depending on the Class you rent. Newer RVs run between $150 to $450 per night on average .
  • Trailers are often the cheapest option going between $50 to $125 per night on average.
  • Fifth wheels go between $60 to $150 per night on average.
  • For trailers and fifth wheels, you’ll need to have a vehicle capable of towing safely, or you’ll need to rent a vehicle to tow.
  • RV websites like Outdoorsy , RVshare , and others allow you to rent RVs directly from owners. This could be a cheaper alternative depending on your plans.

Want to know more about renting a vehicle when planning your trip? Read our guide to renting an RV and make sure you’re getting the best possible deal for your trip.

Buying an RV is an investment, no matter the type you decide to get . If you’ve been planning an RV trip and know it’s going to be something you do in the future, purchasing an RV will save you money long-term.

If you’re ready to buy, there are lots of things to consider; read our guide to buying an RV to get started on your next adventure.

Where to Stay

There are three primary places to stay when RVing: RV parks, campgrounds, and boondocking locations. RV parks and campgrounds, including resorts, are the easiest places to book ahead of time for your motorhome or trailer. Book early to save money and ensure you have a place to park for the duration of your trip. The longer the stay, the more you’ll save, too. RV memberships are another great way to save money on parking, but if you aren’t going to RV much, or this is a one-off trip, the investment isn’t worth it.

Boondocking , the practice of camping without any kinds of hookups or other common amenities, is another option but can be a bit trickier. Essentially, this means that you want a place to park and sleep, but you can't just do that anywhere; you'll need to do some research about places that allow overnight parking. The pros of this practice are that it's free, and you are truly flexible without needing too many amenities or having to make reservations, but it can be a little nerve-wracking the first time you do it, and you want to make sure you're staying safe.

The possibilities of what to do when going on an RV trip are truly endless. If your destination is a large city, a National Park , or a specific attraction, that’s the primary thing you’ll plan your trip around, and from there, it’s about exploring what’s in the surrounding areas.

Many RV parks and campgrounds offer shuttles to help you visit nearby attractions. They’ll also host events and activities, especially on weekends, for you and your family to take part in. If you’re staying at an RV resort, you’ll often find golfing, spas, boating, and other activities included in your stay.

Don't focus all your planning on the destination—RVing truly is about the journey as well, allowing you to discover hidden attractions, restaurants, pit stops, and more that you can stumble upon spontaneously. Take the time to explore, venture off the path, and take in everything around you.

Keep in mind that your trailer, motorhome, or camper is also a place to do things—bring board games, watch movies, cook, and relax.

What to Bring

Like any other trip, bring what makes you comfortable. You’ll need the basics, like clothes and toiletries. If you plan on doing anything specific outdoors, you’ll need the appropriate gear to do so. Depending on the weather, you may want winter coats, rain jackets, waders, or hiking boots. What you bring will be dependent on what you plan to do on the road and at your final destination.

An RV gives you the freedom to bring things you wouldn’t for other kinds of trips, such as food and drinks and pillows, blankets, and sheets. While a hotel room will have most of what you need to spend a few nights, your RV is yours to stock and make comfortable for your needs on and off the road. Because most won’t come fully loaded with what you need, take inventory when you get it to make sure you have things like dishes, glasses, cutlery, pots and pans, toilet paper, and more—if those aren't included, plan to bring the things you'll need.

If your RV comes with a refrigerator, you’ll be able to fill it up with your favorite food to snack on and cook throughout the trip. But don’t over-buy food for the trip. You can always pick up more on the way.

Some emergency items you’ll want in your RV include:

  • First aid kit
  • Flashlights

If you forget something, you can always stop and pick it up.

Money-Saving Tips

Without proper planning, RVing can add up quickly. Here are some tips to keep your adventure on a budget:

  • Rent your RV and book your parking spots well in advance, especially if traveling in summer months. The further out you book—and the longer—the more you’ll save. This goes for what you want to do when you arrive, too.
  • If you can travel out of season, do it. You’ll often save up to half off the entirety of your trip by doing this.
  • If you need to buy food, drinks, or things you left behind when you arrive at your destination, try and travel farther away from tourist traps to do so. Pit stops, gas stations, and tourist attractions will charge a lot more, especially for the “necessities.”
  • Plan strategically for gas stops. Several apps exist to help you save on fuel along the way. Towing a trailer or driving a motorhome can be expensive; if your ride is fueled by diesel, this could break your budget. 
  • Don’t buy new things for your ride. Use what you have at home, including food and snacks. Also, plan how often you'll eat out during your trip.

Things to Consider

  • Be flexible. Something will likely go wrong—you'll get lost or move at a slower pace than you thought. Embrace these unexpected obstacles, and enjoy the “adventure” it adds to your RV trip. You never know what you might discover on the road or about yourself dealing with it.
  • RVing is not for everyone. Plan a small trip for a few days if it’s your first time hitting the road. If you’ve never shared a small space with family or friends, you may find out it's not for you. Better to take a few days to learn this than anything longer.
  • Have backup plans. You don’t know what the weather may bring . If you’re traveling somewhere where the weather can change at the bat of an eye, make sure to have something to fill the time. Movies, board games, and books are a great way to kill time when the weather keeps you trapped inside.

Planning an RV trip is like planning any other travel adventure. Take the time to understand where you’re going, what you’ll do there, and then plan the rest of the trip around supporting your comfort and enjoyment of what you’ll do when you arrive.

RV Industry Association. " Annual Report 2019. " Page 22. 2019.

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Campgrounds Are Full, Can a Travel Agent Help Me?

By: Author The Drivin' & Vibin' Team

Posted on October 23, 2021

If you’re booking an epic trip or cruise, you may think to check with a travel agent to help plan and book it. However, you might not think to consult a travel agent for help booking a camping adventure.

Do travel agents even do such a thing?

We take a closer look and see if you should consult a travel agent the next time you can’t find a campground with a vacancy.

Let’s get started!

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Do Travel Agents Book Campsites? 

Not all travel agents will have the skills or knowledge to book campsites or an RV adventure. However, with the growing popularity of RVing, several agents are offering their services to help RVers plan epic trips across the country.

If you’re using a travel agent to book your RV trip, it’s essential to know that they have experience with RVing. You don’t have to RV for long to realize you can’t just drive on any road, so making sure your agent keeps this in mind is essential for a smooth trip.

Types of RV Travel Agent Services

When it comes to RV travel services, there are a couple of different types. Some travel agents will have you fill out a travel plan survey and create a specific travel itinerary. They’ll often come up with a list of activities, book your campsites, and plan your route.

Another type of service is a travel agent that arranges group trips. These caravans travel across the country to exciting destinations as a group. The agents plan the trip, and you sign up for the itinerary. This can be a great way to meet fellow RVers and do some exciting activities that you might not have done otherwise.

Keep in mind : It’s important to know the difference between campgrounds, RV resorts & RV parks.

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Can a Travel Agent Help You When a Campground Is Full?

While travel agents can sometimes have an in with a hotel chain or resort, campsites aren’t really there yet.

Campgrounds managed by state and national parks aren’t likely to partner closely with travel agents, especially if the campground is often full.

Travel agents may be able to help if they partner with private campgrounds or resorts. However, these are typically less rustic and more modern.

If you’re looking for a traditional camping setting, you’ll need to plan months in advance, even if you’re using an agent to make your reservations.

Benefits of Hiring an RV Travel Agent

By hiring an RV travel agent, you gain the tremendous benefit of having everything planned for you. You won’t have to worry about making reservations to secure a campsite, and someone else will take care of all of the details of your trip.

This can create an almost stress-free RV trip for you and your fellow campers.

Keep in mind : We use RV Trip Wizard instead of a travel agent.

Disadvantages of RV Travel Agents

There are a couple of disadvantages that you should be aware of before using an RV travel agent. You’re going to pay significantly more than you would if you planned the trip yourself. You need to remember that the service agents are offering is their business.

The goal of a business is to make money. So for the business to continue, you’ll need to pay more than you would otherwise.

Another disadvantage is that travel agents can’t make campsites appear out of thin air. You may want to travel to a specific region of the country during one of the busiest times of the year.

It can be nearly impossible to find campsites during peak seasons, or you’ll need to book sites months in advance.

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How to Get a Campsite Every Time

You should know a few things if you don’t want to pay a premium price to have someone else handle the details of your next trip. Let’s take a look!

Plan in Advance

More and more campgrounds are filling up, especially on weekends and holidays. This means that if you want to stay in a campground during your adventures, you’ll need to plan months in advance. Depending on where you want to camp, you may even need to plan a year or more in advance.

It’s important to remember that you’ll not only need to plan your campsites, but also any activities.

If not, you’ll likely end up spending most of your time at your site as all of the popular activities will probably sell out.

Learn How Reservation Systems Work

Be your own RV travel agent and familiarize yourself with how the reservation systems work for where you want to stay. Some campgrounds will book up within minutes of sites becoming available.

This could mean that if you haven’t created an account in advance or know the process for booking a site, you could miss out on your desired sites or travel dates. By the time you can figure out the process, the sites could be gone.

The more popular the location, the more familiar you’ll want to be with the process to avoid missing out.

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First-Come, First-Served? Get There Super Early

Some campgrounds are abandoning a reservation system and replacing it with a first-come, first-served system. You’ll need to plan to get to these kinds of campgrounds early. These campgrounds typically have lines that form from campers hoping to snag a site.

Your best chance is being toward the front of the line. If you’re planning to stay at one of these sites, make sure you have a backup plan to landing in a sticky situation with nowhere to camp.

Know Busiest Times and Plan Accordingly

When making your plans, be aware of the busiest times for the location you’re planning to visit and plan accordingly. If you can travel to that destination in an off-peak season and still have a great experience, then do it. By visiting during peak season, you’ll find a packed campground and crowded spaces.

By traveling to the area in the off-season, you can avoid crowds. This is especially helpful if you don’t enjoy being around large crowds or appreciate more space between sites in a campground.

Should You Use an RV Travel Agent? 

Using an RV travel agent can be a great resource for your next RV adventure. By leaving the details of your journey to a professional, you can make some incredible memories you wouldn’t have made otherwise.

Have you ever used an RV travel agent for any of your adventures?

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At Cruise America, you can rent various sizes of Cruise America class C motorhomes to discover what best suits your needs or likes. Once you have decided, you can keep renting them. If you're looking for a used RV for sale, you can purchase one of our well-maintained, pre-loved RVs at a substantially lower price than other used RV dealers.

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

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Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

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Enhanced recreational vehicle insurance coverages include:

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GEICO provides insurance coverage for these towable RVs and travel trailers:

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GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

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RV Insurance: Get the answers you need.

  • Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
  • How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
  • What RV insurance coverages are available? 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 .
  • How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
  • How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
  • What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
  • Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
  • What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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We make it easy for travel advisors to sell our trips. Our self-drive national park RV trips are a fun, enriching experience that will make your customers happy!

To start, please see the information that follows. If you have any additional questions, don’t hesitate to contact one of our team at (800) 247-0970 or simply fill out the form below.

We pay a referral fee to qualifed agents equaling 5% of the base package price , paid 60 days before travel when the client makes their final payment. If your customers book additional trips, you earn commissions even if they book with us directly.

Selling RV vacations requires specialized knowledge and is best handled by our staff. To get all the details right, we must be in direct contact with travelers. Simply introduce your client to us, and we take care of the rest. You may want to help them with flights, but we do everything else — and you get the credit.

Use the form below to pass along their information. We book most trips 6-12 months in advance since the best RVs and campsites sell out early. The earlier, the better.

Why work with Tracks & Trails?

Unique Experience – Our self-drive itineraries to western national parks allow your client to experience magnificent, natural destinations without giving up basic comforts.

Turnkey Solution – Once you connect us with your client (and perhaps book their airfare too), we take care of them from arrival to departure.

Additional Commissions – You may earn additional commissions on other services like pre- or post-stays that you add on to the T&T package.

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Moscow Vacation Packages

Moscow vacations are always a great idea when it comes to traveling in Russia. Plan your trip to Moscow with a leading tour operator for Russia and enjoy the ease and pleasure that comes from it. You will stay at the centrally-located hotels, enjoy guided tours to Moscow's best sights with charming local guides, and, most importantly, feel relaxed and immersed in the Russian culture at all times. Wondering what the ideal way to see the best of Moscow is? Well, with a private tour to Moscow, of course! We will listen to your travel preferences and prepare a custom Moscow itinerary just for you. Let's start talking about your upcoming vacation to the gorgeous capital city of Russia.

Moscow Tour Highlights

Explore the capital of the largest country in the world, Russia.

Learn about the most visited sights in Moscow that are worth adding to your Russian itinerary. Create a fantastic tour to Moscow with a destination, choosing your wished activities.

Moscow Tour Highlights

  • Moscow walking tour
  • The Red Square
  • St Basil's Cathedral
  • Moscow Subway ride
  • Tretyakov Gallery
  • The Red Square in Moscow
  • The Bolshoi Theater
  • Cathedral of Christ the Savior
  • Moscow's Kremlin exploration
  • 'Seven Sisters' Skyscrapers

Tips for Moscow Travel

Take a look at the good-to-know tips before visiting Moscow and have a fantastic time in the capital.

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What to pack

Make sure to check the weather prognosis before your trip and pack accordingly.

When to travel

Moscow is beautiful all around the year. Choose traveling time according to preferred activities.

We suggest to always have some cash with you. You will need Rubles (RUB) for Russia.

How much to tip

Tipping is not required in Russia, but it's considered good etiquette, tip 10%-15% of your bill.

The average summer temperature is approx 18°C (64°F), and winter is around -6°C (22°F).

Some of the most popular souvenirs from Moscow are caviar, Krasnaya Moska perfume.

Best Moscow Sights

One of the highest points in Moscow and one of its most breathtaking places - the Sparrow Hills.

See the 344-feet Cathedral of Christ the Savior - the tallest Orthodox church in the world.

Enjoy masterpieces of Russian opera and ballet in Moscow's legendary Bolshoi Theater.

Being the most recognizable symbol of Russia in the world, Red Square is an absolute must see when in Moscow. 

The famous GUM is a large department store in the Kitai-gorod part of Moscow facing Red Square.

History and luxury is revealed inside the Kremlin as the Armoury Chamber displays treasures like Faberge Eggs.

St. Basil’s Cathedral is Moscow’s most famous artistic work of architecture set in the romantic Red Square.

The symbol of Moscow and entire Russia, the Kremlin is often described as the 8th Wonder of the World.

Moscow Metro is like a whole underground city that holds the world's largest collection of Stalinist Art.

I am very satisfied.

I have been using the Firebirds (Travel All Russia) services for a while. I am very satisfied.

WOW. From the choice of hotels to...

WOW. From the choice of hotels, an itinerary that ran to plan, the amazing Guides and drivers, and of course the stunning cities of Moscow and St Petersburg. No long queues for entry to museums, churches, and palaces.  I would gladly recommend using Firebird Tours (Travel All Russia) to anyone.

THANK YOU for making this happen for me !!!

I must say from the day I started to book my tip till the day I got home I had one GREAT trip and experience I always felt safe and cared for help was seconds away not that I needed any I will defiantly highly recommend your company to any traveler to Russia WELL DONE to the Whole team THANK YOU for making this happen for me !!!

We enjoyed the whole trip a lot

Overall we enjoyed the whole trip a lot. Moscow is beautiful and clean. Thank you very much for your patience and excellent organization of this tour. Everything ran very smoothly and according to schedule. The guides met us on time at hotels or at our train carriage on arrival. They all spoke good English, had a good local knowledge and were very kind and helpful.

The tour lived up to all expectations

I’m most pleased with Travel All Russia in arranging our ‘Volga Dream’ Russia tour, I would recommend using your services again as every aspect of our tour went off without a hitch. The communication between our tour representative was excellent as we required additional days on both ends of our tour. The visa process and the logistics were flawlessly implemented.

We had a great time in Moscow!

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7 Best RV Insurance Companies of 2024

S ince 2016, Money’s editorial team has been evaluating companies that offer RV insurance. Our research and analysis takes into account customer satisfaction, financial stability, coverage options, availability and more. We strive to provide accurate and informative recommendations customized to our readers’ needs.

Money’s Main Takeaways

  • Insuring your RV is essential, whether you plan to live in your RV full-time or use it for occasional trips.
  • The type, age and condition of your RV, where you live, and your own personal driving record are all factors that will influence the price of your policy.
  • We settled on six companies including Good Sam as the best RV insurance broker, National General as the best for full replacement cost coverage and Auto-Owners Insurance as the best for customer service.

Why Trust Us?

Our editors and writers evaluate RV insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

  • Reviewed 15+ companies
  • More than 1,000 hours of research
  • We prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

  • Good Sam – Best RV Insurance Agency
  • RVInsurance.com – Runner-Up
  • Nationwide – Best for Multiple Discounts
  • National General – Best for Full Replacement Cost Coverage
  • Progressive – Best for Disappearing Deductibles
  • Roamly – Best for Renting Out Your RV
  • Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

  • Offers full-timer coverage
  • Manage your policy online without having to contact an agent
  • Membership gets you discounts on campsites, gear stores, fuel and more
  • Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help choosing coverage. It connects you with some of the best RV insurance companies and helps you get a comprehensive policy that fits your needs.

Good Sam works with well-known insurance companies like Progressive, Foremost, Safeco and National General. Some standard insurance options you can get through Good Sam include comprehensive, collision, liability, property damage and personal injury protection.

Good Sam is also an excellent option for people who drive their RV across the border to Mexico. The company partners with MexicoInsuranceOnline.com, which can pair you with one of three Mexico-based insurers. Agents can recommend add-ons for your cross-border travels based on your specific needs, and you can purchase policies for a single-day trip or longer.

The company also offers a storage discount, which lets you pause collision and liability coverage when your motorhome or trailer is stored for more than 30 consecutive days. This can help you save on monthly insurance premiums if you only use your RV for occasional road trips.

Lastly, the agency can help you customize a full-time RV insurance policy if you use it as a permanent residence.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

  • Specialists can help you find a policy
  • Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get an insurance quote online, but an insurance specialist can help you compare policies if you call.

See rates on RVInsurance.com’s Secure Website >>

  • Free yearly insurance review to evaluate your coverage options and possible discounts
  • Optional towing coverage includes lodging, transportation and meals
  • Multiple policies available, making it easy to bundle and save
  • Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts that can help you save on premiums. Nationwide’s discount list, however, is particularly extensive. You can save money if you bundle your RV policy with your existing home insurance, take safety courses, belong to an RV organization (such as the National RV Association), pay your annual policy upfront or purchase the company’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

  • Coverage for specialized equipment such as solar panels
  • Pause your coverage when your RV is in storage
  • Experts help you find a new RV in the event of total loss
  • Low mileage discount
  • Eligibility, benefits, coverage and discounts vary per state
  • Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage, also known as total loss replacement, your RV gets replaced with a new or similar one if it’s totaled or stolen. You may also get reimbursed for the original purchase price of the vehicle.

This type of coverage is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. For example, a 2024 model would probably be eligible until 2026. So if you buy a used RV or don’t insure your new one as soon as possible, you risk your vehicle being considered ineligible.

With National General, on the other hand, RVs are eligible during their first five model years. The company can also insure your RV whether you’re the first owner or not — some companies limit this type of coverage to original owners.

The company lets you pause your coverage when your RV is in storage, an option that’s not available with many other providers. You can save money by suspending collision and personal injury riders, for example. However, your RV would still be covered against theft, fires, harsh weather and other non-collision accidents.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

  • Accident forgiveness for claims under $500
  • Horse trailer coverage up to $50k
  • Pet injury coverage available
  • Add-on coverage available for roof malfunction
  • Standard plan doesn't cover personal property replacement or emergency expenses
  • Insurance rates can vary if you buy online or through an agent
  • Discounts are not available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or if you pay your policy in advance, among other discounts. However, what makes Progressive’s discount list stand out are disappearing deductibles and accident forgiveness.

Not many companies provide these discounts, and if they do, they only offer one or the other. With disappearing deductibles, the longer you go without filing a claim, the lower your insurance deductibles get.

Progressive deducts 25% from your total deductible amount for every claim-free policy period. After four consecutive claim-free periods, your deductible will be $0. Other insurance companies that offer disappearing deductibles cap the discount to a maximum of $500 — if your deductible exceeds $500, you’d still have to pay the remaining amount.

Disappearing deductibles, also known as vanishing deductibles, have an additional cost.

However, the feature is included if your vehicle is valued at $25,000 or more and you purchase the comprehensive and collision coverage package. Both riders are recommended since they ensure the vehicle is covered for car accidents and non-collision events, like a fire.

Accident forgiveness — which keeps your premium rates from increasing if claims are for $500 or less — is included at no additional cost.

See rates on Progressive’s Secure Website >>

  • Specializes in RV insurance
  • Coverage even when renting out your RV
  • Policies for full-time RVers are available
  • Covers Canada rentals
  • Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance because they’re exposed to more risk than personal vehicles. Renting out your motorhome or camper without insuring it can result in denied claims, especially if the renter doesn’t have coverage either.

With Roamly, your RV is always covered when listed in rental platforms like Outdoorsy (which owns Roamly). When someone books your RV through Outdoorsy, they can purchase a renters protection package. These policies can include trip protection, interior damage and travel medical insurance.

Roamly covers rented RVs for actual cash value during a rental period. Also, policies include $1 million in liability insurance protection during each trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

  • Premium reduction if RV is equipped with certain safety features
  • Towing and roadside assistance in all 50 states and Canada
  • Mobile app for Apple and Android
  • No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints on record with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies which can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

  • Covers motorhomes, travel trailers and campers
  • Membership plan includes roadside assistance, hotel discounts and more
  • Extra coverage for lodging and transportation if your RV is damaged
  • Coverage options are not standard across regions (southwest, northeast, etc.)
  • RV policy not available nationwide
  • Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because their coverage is not available in all 50 states.

See rates on AAA’s Secure Website >>

  • Discount if you transfer from another insurance company
  • Discounts for drivers 55 years or older
  • Gas price locator to help you find the cheapest gas
  • Limited information on company website
  • Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

  • Windshield deductible is only $50 for total replacements
  • Personal effects replacement limits up to $100,000
  • Free accident forgiveness for those who have been accident-free for 5+ years
  • Limited information available on the company's website
  • Enhanced RV coverage is not available in HI, MA, MI and NC
  • Availability of total loss replacement coverage varies by state and vehicle value

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

  • Loan or lease protection coverage available
  • Deductibles diminish $100 per year up to $500
  • Insures motorhomes valued at up to $1 million
  • Coverage available for custom equipment
  • Only covers vehicles used 250 days or less per year
  • Limited information available on website
  • No online quotes available

Safeco offers coverage for class A, B, and C motorhomes valued at up to $1 million, but it only insures these vehicles if you use them recreationally. Safeco didn’t make our list because its website doesn’t offer a lot of information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

  • Coverage for emergency expenses if camper is damaged or destroyed
  • Pays for transportation of damaged RV to storage, repair shop or home
  • Full-timer coverage for travel trailers, motor homes, luxury motorcoaches and more
  • Special policies for USAA members
  • Not available in DC or Hawaii
  • Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

  • Part-time users can opt for storage-only insurance during the off-season
  • Policy extends to travel anywhere in Canada
  • Insures equipment permanently attached to your RV
  • No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information on their website regarding specific coverages and discounts. This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

  • Discounts for safe driving and original ownership
  • Multi-vehicle discount
  • Coverage for all RV classes, including slide-on campers
  • Members get a 5% discount on policies
  • Policies only available to military families
  • 5% members-only discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

  • Multi-policy discount
  • Mobile app for Apple and Android devices
  • Only available through agents
  • Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

  • Options for RV full-timers
  • 25% deductible discount for each consecutive claim-free year
  • Windshield replacement coverage
  • Coverage for commercial RVs
  • Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

  • Lifetime guarantee for repairs done in authorized repair shops
  • 24/7 claims submission
  • RV replacement if it's totaled in the first 15 months
  • Only available to AARP members
  • Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, an RV insurance policy provides financial protection in the event of accidents, injuries and other unfortunate scenarios. This means it can reimburse you for repairs, medical bills and liability expenses in the event you injure someone or damage their property.

Most RV insurance providers offer comprehensive policies covering everything from collisions, theft and loss of personal belongings to medical expenses and more. However, not everyone needs an all-inclusive policy, especially those who use their RVs occasionally.

Read on to find out how much RV insurance costs, learn about the different coverage options available and get tips on choosing the right coverage for your needs while saving on premiums.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need, what does rv insurance not cover.

  • How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV that you tow behind your own vehicle) costs an average of $573 per year, while coverage for a motorhome costs an average of $958 per year.

The cost of an RV insurance policy is influenced by the following factors:

  • The type of RV: Motorhomes are more expensive to insure than trailers (especially motorhomes with state-of-the-art components).
  • Age and condition: Older trailers and motorhomes cost less to insure than their modern counterparts due to their reduced resale value.
  • Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive policy that includes collision and personal property coverage.
  • Where you live: As with most other types of insurance, your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
  • Driving experience and driving record: A first-time RV owner poses a higher risk than someone who’s been living the van life for years. Insurers will also look at your general driving record to determine an appropriate rate.
  • Claims history: Just as with auto insurance, a lengthy claims history is a red flag to insurers. A driver who has never filed an insurance claim will get a much better rate than one who has cashed in on their policy in the past.
  • Additional coverage: Purchasing add-ons that augment your standard coverage can substantially increase your premium. Additional coverage options may include roadside assistance, total loss replacement, vacation liability and full-timers coverage.

Recreational vehicles, more commonly known as RVs, can be classified into one of four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, which means they’re drivable units equipped with living quarters and appliances. Towable RVs, also called campers or trailers, can have home amenities too. However, some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious. They are similar to commercial buses, measuring anywhere between 24 to 45 feet in length and fitting as many as 12 passengers. However, their size can make them difficult to drive and limits their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest and least expensive type, with a length of 17 to 19 feet. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes are the middle ground between Class A and B RVs. They measure between 21 to 41 feet in length and are easily recognized by their over-cab sleeping or storage area.

Although smaller than Class A RVs, Class Cs are suitable for full-time occupancy, delivering better gas mileage and easier maneuverability. These vehicles can fit up to eight passengers and include a fully equipped kitchen and spacious dining, bathroom and living room areas.

Towable RVs

Towable RVs are pulled by hitches on SUVs, pickup trucks or any vehicle that can tow the RVs weight. Towable RVs that feature living quarters include fifth wheels, toy haulers, travel trailers and pop-up campers. These range from under 10 feet for pop-ups to 30 feet for fifth-wheel trailers.

Truck campers are also considered towable RVs, but you don’t pull them with a hitch. Instead, they sit on the bed of a pickup truck. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be both a vehicle and a primary residence, there are special considerations when insuring them. Some policies only offer basic liability protection while others offer broader coverage for things like personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the vehicle used to tow it may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability and not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

  • Property-damage liability coverage: Pays for damages that you cause to another person’s property or vehicle.
  • Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
  • Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
  • Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
  • Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver that doesn’t have insurance or has insufficient coverage to pay your claim.
  • Personal Injury Protection (PIP): Covers medical expenses for both you and your passenger in the event of an accident, no matter who was at fault. It may also cover lost wages.
  • Campsite/vacation liability coverage: Helps pay for legal expenses if you’re found at fault for injuries or losses suffered by a non-family member while in your campsite area or inside your RV.
  • Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

  • Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
  • Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is ever stolen or totaled in an accident. In other cases, the insurer may reimburse you for the original purchase price. Note that lenders may require this coverage if you finance your RV.
  • Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
  • Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
  • Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
  • Loss assessment: Helps cover fees charged by RV associations for damage to common areas in a campsite, for example.

RV insurance won’t cover the following:

  • Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
  • Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
  • Certain types of water damage: RV insurance doesn’t cover water damage that’s caused by regular wear and tear, freezing temperatures or manufacturer defects.

Comprehensive RV insurance covers most natural disasters, including flash floods, storm surges and fire. Earthquake coverage varies by insurer — it may be covered under a comprehensive RV policy or you may need to purchase earthquake coverage separately.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Take time to shop around for insurance quotes

The cost of RV insurance will depend on your driving history, where you live, the type of vehicle you own and whether you intend to live in the RV full-time or use it for vacations. Adding optional riders like pet and accessories coverage will hike up your premium.

Requesting multiple RV insurance quotes can work out to your advantage. Those who compare estimates and coverage options before choosing often find the best rates.

If you don’t have the time to shop around, you can consult an independent insurance agent. They can help you choose the right coverage and guide you to companies with attractive rates and policy features that meet your needs.

Consider bundling multiple policies

Most insurance providers offer a multi-policy discount when you combine your RV insurance with other qualified policies.

You can save on premiums by combining your RV policy with your current auto, home or boat insurance . Some insurers also let you bundle your policy with renters or life insurance policies . Bundling multiple policies under one provider can also help you avoid the hassle of dealing with different companies come time to file a claim.

If you don’t want to pay two premiums, you can consider adding your RV to your existing auto insurance policy . Just know that the insurance you have on your car usually only extends to towable campers or trailers, not motorhomes. Also, keep in mind that car insurance may cover you against liability and damages to the RV, but not belongings or appliances inside the vehicle.

Homeowners insurance may also offer some coverage for RVs, but only when the vehicle is parked on the insured property’s premises.

Another option is getting umbrella insurance to cover your RV. This type of policy covers liability claims that exceed the limits of your primary auto, home or RV policy. However, this coverage only kicks in if your RV is covered by an underlying policy that meets the liability requirements of the umbrella policy.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

  • Paying the total annual policy upfront
  • Making monthly payments on time
  • Staying claim-free during the previous policy period
  • Being the vehicle’s original owner
  • Installing safety features in your RV (a tire pressure monitoring system, for example)
  • Having a favorable loss history (the record of insurance losses associated with the vehicle)
  • Being a safe driver (staying accident-free for at least three years)
  • Taking safety courses
  • Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, you should consider getting RV rental insurance. This type of policy is similar to car rental insurance since both usually provide liability, collision damage waiver, personal accident or personal effects coverage.

Policies can be purchased through the rental company or your own insurance provider — if it offers such coverage. However, keep in mind that your current car or RV insurance policy may already extend some coverage to the rented RV. Coverage may not be available in all states or for trips longer than 30 days, so you should call your insurer to verify before heading out.

Some insurance companies also offer RV coverage for trips to Mexico. While this type of policy can be useful for someone planning a vacation, it is more commonly recommended for RV owners who frequently cross the border.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance for the trip. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on the details of your policy.

However, note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and you lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident.

With the exception of New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have some form of liability coverage.

Insurance for towable RVs is another matter. When you’re towing your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not about additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

There are currently only two states that don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia as long as you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer that's hooked up to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance so that the trailer itself is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

  • Coverage options and discounts. We picked companies that offer a comprehensive selection of coverage options and premium discounts.
  • Customer satisfaction. We favored companies that had above-average scores in J.D. Power’s U.S. Auto Insurance Study. We also considered customer feedback from review sites such as the Better Business Bureau (BBB).
  • Financial strength. We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
  • Complaint index. We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Moscow-Suzdal-Saint Petersburg 9 days/8 nights

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Moscow-Saint Peterburg tour package 8 days/7 nights BEST DEAL (15th of MAY-22d of MAY only)

Moscow-sochi tour package 6 days/5 nights.

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Moscow - Velikiy Novgorod - Saint Petersburg tour package 9 days/8 nights

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Moscow-Saint Petersburg-Baikal lake 14 days/13 nights

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Moscow-Saint Petersburg-Sochi tour package 10 days/9 nights

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Moscow-Altai tour package 14 days/13 nights

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Moscow-Murmansk-Saint Petersburg 11 days/10 nights

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Saint Petersburg - Karelia 8 days/7 nights

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Moscow tour package 5 days/4 nights including tank riding and Stalin Bunker visit

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Moscow-Saint Petersburg tour package 7 days/6 nights including tank riding and Stalin Bunker visit

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Magic Ice of Baikal Lake - 7 days / 6 nights

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SPA tour package Grozny (Chechnya) 4 days - 3 nights

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Hiking tour package Dagestan 5 days - 4 nights

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Suzdal and Vladimir Tour

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Moscow Kremlin Tour

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River Cruise Tour

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Driving Tour around Saint Petersburg

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Peterhof Tour

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Moscow Driving Tour

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Moscow in 1 Day (Walking tour)

Welcome to visit moscow tours.

We provide authentic, informative and memorable tour packages and city tours, at very competitive prices. Visit Moscow Tours are available not only in Moscow, but also in other cities: Saint Petersburg, Kazan, Suzdal and Sergiev Posad.  We also organise customised individual programs tailored just for you.

Our guests come in large groups, small private groups, as couples or as single travellers. We take care of and treat our guests with respect in a friendly and warm family environment. We show people our beautiful cities with passion and deep knowledge of their history, culture and traditions.

Our guides are extremely hospitable, helpful and well-informed. They are simply the best because only by providing the best services can we make the world fall in love with Russia. And we are very happy when our guests say that they will definitely come back to Russia and that they will tell all their friends how great Russia is! That is what inspires us to put even more dedication and hard work into our tours, knowing that what we do is positive and meaningful.

Our classic tours include tours of Moscow and Saint Petersburg, two main Russian cities.

Moscow is a big and busy  megalopolis and Russia’s capital city, where more than 12 million people live and work. Our capital city is happening place; it is mysterious, elegant, luxurious, fashionable, clean and bright, with its unique legends, traditions and events. It is with great pride that we show the Red Square and the Kremlin, our Underground and Tretyakovskaya Gallery, among other stunning attractions.

Saint Petersburg is our second capital,  the second largest city in the Russian Federation. This wonderful city has a strong and lively aristocratic spirit, uniquely Russian royal architecture, magnificent museums and theatres. Saint Petersburg bears the royal heritage of Russia, which can be felt in its air, its streets, parks, monuments, museums and citizens.  In Saint Petersburg tours, we will take you to the Hermitage, Peter and Paul Fortress, Faberge Museum and Orthodox Cathedrals. We’re sure you will love it!

If you have a few more days to spare, venture into the dreamy Russian countryside in Suzdal or Sergiev Posad. Suzdal is a small town with a population of about ten thousand people, situated on less than 15 square kilometres. This tiny area is home to 53 historic cathedrals, five monasteries and a kremlin. Church domes are visible like mushrooms from anywhere and everywhere in the town like in a fairy tale. No wonder Suzdal is called the ‘Town Museum”.  It is definitely worth visiting!

Just try any of Visit Moscow Tours’ tour packages or any individual city tour, and we promise that you will want to come back to Russia again.  Russia is huge with countless amazing places to visit. There are so many unique experiences to be had and energies to be felt that one tour is definitely not enough to explore this vast land. It is also a very safe destination to travel, and we have a tradition of warm hospitality. Our people adore and take care of visitors as our own guests, and even if they do not know your language very well, they still try to be helpful and hospitable.

Our guides will show you the most interesting attractions and historical places, taking you on a journey to the past to enjoy stories of medieval times, the Romanov monarchy, the Soviet Era. And of course, we will show you the contemporary life of our country through authentic local experiences.

We look forward to meeting you soon!

8 interesting facts about the Hermitage

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  • Address in Vietnam: 20 Ngo Huyen, Hoan Kiem District, Hanoi city, Vietnam
  • Address in Vietnam: 16A Ly Nam De st, Hoan Kiem District, Hanoi city, Vietnam
  • Address in Taiwan: Xinbei City, Xinchuang District , Minanxi Street, 75 lane 1st floor
  • Tel/WhatsApp/Viber: +84931152368 Tam
  • Line/WhatsApp: +84949094727 中文服务热线
  • Email (Normally reply in 2 hours): [email protected]
  • Work Time Mo-Sun: 7:30 - 21:00

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