A new year means new adventures, and for RV enthusiasts, it's the perfect time to dream up exciting road trips and destinations. Whether you're buying your first travel trailer or gearing up for another season of exploration, having the right RV insurance is essential to keep you protected on the road. But with so many options out there, how can you be sure you've got the right policy, coverage, and price? Don't worry-we've got you covered! This guide will walk you through everything RV owners need to know to confidently shop for insurance and hit the road in 2026.
Before You Start Shopping
To make your RV insurance search as smooth as possible, it helps to start with a little prep work. Answering a few key questions can save you time and ensure you find the right policy for your needs:
Do you have a motorhome or a travel trailer?
• What type of motorhome or travel trailer do you have? Including the make, model, and VIN number.
• The current value of your vehicle
• Where do you store your RV?
• Does your loan require you to have certain deductible or coverage limits?
• Are you a full-time RVer or casual user?
Knowing the answers to all of these questions will not only help you find the right insurance policy for your needs, but it will make shopping more efficient too.
What coverages are "must" haves?
While coverage plans may vary from RVer to RVer, there are some coverages that are consistently recommended across the board.
Comprehensive Coverage - protects your RV for events beyond your control like theft, vandalism, weather-related incidents, and more.
Collision Coverage - repairs or replaces your RV if it's damaged in an accident with object or another vehicle.
Roadside Assistance - tows your RV to the nearest repair facility and can cover fuel delivery, mechanical breakdowns, flat tires, and battery replacement.
Liability (Bodily Injury & Property Damage) - If you have a motorhome, this coverage is legally required to protect your vehicle on the road.
Other Coverages You Might Include:
Total Loss Replacement - If your RV is less than 5 years old, this coverage may replace your RV with the same model year better or later if it's totaled.
Pet Injury Coverage - If you have a cat or dog, this protection will help pay for vet bills if you get into an accident and is included with Comprehensive and Collision.
What other questions should you ask a potential insurer or agent?
Asking these questions will help you go beyond the basics and make sure your RV policy is personalized to your needs and your future adventures.
• How am I protected in the event of a total loss (fire, theft, accident)
• How are attached accessories covered, like the awning, or solar panels.
• Does my policy cover full-time living?
• Can I reduce my coverage while in storage or during the off season?
• Am I sure I have considered everything for my coverages?
• Do your claims reps specialize in RVs?
Set Your RV Up For Success in 2026
RV policies can often feel overwhelming, but especially in 2026 they don't have to be. Asking the right questions and having the right knowledge can set you up for success on the road and in your financial planning.
As you look to the year ahead, know that Progressive is here to help you stay protected on the road and find the right coverage for the right price. Want to learn more? Visit Progressive.com/harvesthosts or give us a call.
Progressive Casualty Ins. Co. & Affiliates. Prices, products, and providers will vary if you shop online, by phone, by mobile device, or using an agent or broker. Featured coverage subject to policy terms and deductible payment, not available in all states and Total Loss Replacement coverage only available for RVs of five model years old or less.
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