Progressive's Comprehensive Camper Insurance: What You Need To Know

Progressive offers insurance for RVs (recreational vehicles) and travel trailers. RV insurance covers damage to your vehicle and liability claims if you're responsible for someone else's injuries or damages while driving your motorhome. Travel trailer insurance is for trailers that are towed by a different vehicle and don't require liability coverage as this is covered by the vehicle towing the trailer. Progressive offers a range of coverages, including bodily injury, property damage liability, comprehensive, and collision, with annual liability-only policies starting at $125 per year.

Camper insurance costs

The age and condition of your RV are also taken into account. A new, luxurious motorhome will generally be more expensive to insure than an older, more basic vehicle. If your RV is your permanent residence, you may need to purchase additional coverages, such as personal liability, medical payments, and loss assessment, similar to a homeowners insurance policy.

Your personal details, such as your driving record and location, can also impact the cost of your policy. If you live in a highly populated area, your insurance cost may be higher due to the increased risk of accidents. Regions prone to severe weather and vehicle theft may also result in higher insurance costs.

If you are financing your RV, lenders usually require comprehensive and collision coverage, which increases the price of your policy. You can opt for a liability-only policy to keep costs down, but this may not be sufficient for all RV types or usage patterns.

On average, the 12-month RV insurance policy at Progressive for 2023 was $586 for a travel trailer and $998 for a motorhome. Liability-only policies can start as low as $125 per year.

Camper insurance coverage

For camper vans, trailers, and motorhomes, Progressive offers comprehensive and collision coverage, which protects against physical damage and loss. Comprehensive coverage includes incidents beyond the owner's control, such as theft, vandalism, fire, and weather-related issues. Collision coverage, on the other hand, covers damage to the camper if it collides with an object or another vehicle.

Liability coverage is another essential aspect of camper insurance. It is required in nearly every state and covers property damage and injuries caused to others, as well as legal expenses. For motorhomes, liability coverage is mandatory, while trailers may be covered under the liability insurance of the towing vehicle.

Additional coverages are available for full-time RVers, including personal liability, medical payments, and loss assessment. These coverages are similar to those found in homeowners' insurance policies and provide protection if the camper is used as a permanent residence.

To lower the cost of RV insurance, Progressive offers various discounts, such as multi-policy discounts, responsible driver discounts, and original owner discounts.

In conclusion, camper insurance coverage from Progressive offers a range of protections for campers, motorhomes, and trailers, with customizable options to fit different needs and budgets.

Camper insurance requirements

Motorhome Insurance Requirements

Nearly every state in the US requires RV insurance for motorhomes, specifically liability coverage. This includes bodily injury and property damage liability coverage, which will cover any damage or injuries you cause while driving your motorhome, as well as legal fees. The minimum requirements for bodily injury liability coverage in Missouri, for example, are $25,000 per person and $50,000 per accident. For property damage liability coverage, the minimum requirement is $25,000 per accident.

In addition to liability coverage, comprehensive and collision coverage are usually required by lenders if you are financing or leasing your motorhome. Comprehensive coverage protects your motorhome from events beyond your control, such as theft, vandalism, and natural disasters. Collision coverage, on the other hand, covers damage to your motorhome if you collide with another vehicle or object, regardless of fault.

Travel Trailer Insurance Requirements

Unlike motorhomes, travel trailers are not required by law to have insurance in any state. However, if you are financing or leasing your travel trailer, your lender will typically require comprehensive and collision coverage to protect your trailer against physical damage. Comprehensive coverage for travel trailers will usually include protection from theft, vandalism, fire, and severe weather damage.

While insurance for your travel trailer is not legally required, it is still recommended to have liability coverage for the vehicle that is towing it. This will ensure that you are covered in case of any accidents or damage caused by your trailer.

Camper insurance discounts

Progressive offers a range of discounts to help you save money on your camper or RV insurance. Here are some of the ways you can reduce your premiums:

Multi-Policy Discounts

If you already have a home, renters, condo, auto, boat, or motorcycle policy with Progressive, you can earn additional savings by adding RV insurance to your bundle. By combining multiple policies, you can benefit from an average discount of 5% on your auto insurance.

Original Owner Discount

If you are the original owner of your motorhome or travel trailer, Progressive will apply a discount as long as you maintain comprehensive and collision coverage on your policy. This discount is available regardless of the age of your RV.

Responsible Driver Discount

Progressive rewards safe drivers who have a clean driving record. If you have had no accidents or violations in the past three years, you are eligible for a discount on your RV insurance policy.

Prompt Payment Discount

Making your insurance payments on time, every time, can qualify you for a discount on your premiums. Staying on top of your payments is a great way to save money.

Claim-Free Renewal Discount

If you have had no at-fault claims, you will receive another discount at the time of your policy renewal. Progressive recognizes and rewards claim-free periods with lower rates.

It's important to note that discount availability can vary by state, so be sure to check with Progressive to see which discounts are applicable in your area. With these discounts, you can enjoy comprehensive RV insurance coverage while keeping your costs low.

Camper insurance claims

Your claims representative will be your main point of contact and will guide you through the process, but you may also work with other experts, such as an estimator. They will inspect your vehicle, write up an estimate for the cost of repairs, and manage the repairs with a shop. If you are injured in the accident, you may also speak with a representative who specializes in handling medical claims.

Your claims rep will schedule a time for an estimator to inspect your camper or RV, and then walk you through the estimate, explaining how much repairs will cost and what you may have to pay. Your estimate will account for any unique features to ensure your vehicle is returned to its previous condition. If your vehicle is undriveable, Progressive will help you tow it to a repair shop.

In some cases, the extent of the damage to your camper or RV may mean that repairs are not practical, and your vehicle will be considered a total loss. Your payment will depend on what coverage you selected, so to speed up the process, have your title and proof of ownership documents to hand. Progressive will subtract your deductible from your payment.

If you decide not to get repairs, Progressive will send you a check for the estimate amount, minus your applicable deductible. If you do decide to get repairs, you can choose any repair shop you like, or Progressive can provide a recommendation. Progressive will then manage the repairs from beginning to end and keep you updated throughout the process.

Frequently asked questions