RV Insurance

Protect your RV with customized coverage starting at just $125
with our partner Progressived Insurance.

Rather speak with an insurance agent?
(877) 334-7646

Get an RV insurance quote for your motorhome or travel trailer

RV Insurance

Trailer, Motorhome and RV Insurance

If you use your RV recreationally or as a full-time residence—we can get you the best RV insurance that protects your unique needs. It’s easy to start an RV insurance quote, you can start online or call an insurance agent and we’ll help you build a custom RV insurance policy that protects you, your family and your motorhome or travel trailer. Quoting with us can takes as little as three minutes—so let’s get started and you can hit the road in confidence.

Whether you’re driving your RV or towing it, we’ll insure it

We insured many RV’s and trailers, from state-of-the art class A motorhomes to pop-up campers. In fact, our insurance providers take pride in insuring nearly all types of RVs – this includes travel and utility trailers. Here’s a quick list of the common types of RVs we and our insurance carrier partners insure:

  • Class A Motorhome
  • Class B Motorhome
  • Class C Motorhome
  • Cargo & Horse Trailer
  • Conventional Trailer
  • Fifth-wheel trailers
  • Pop-up Campers
  • Truck Campers
  • Utility Trailers

Save big with one of the our A+ RV insurance companies

When you get an RV insurance quotes with us, you can include multiple ways to save money. If you purchase a policy with our partner Progressive Insurance, then annual policies start as low as $125. If you want to save more money, take a look at the many discounts that can help save when you quote RV insurance online or with an insurance agent.

Multi-Policy

Do you have a home, renters, condo, auto, boat or motorcycle policy with us? If so, you’ll earn additional savings when you add RV insurance.

Original Owner

If you’re the original owner of your motorhome or travel trailer, regardless of the age of the vehicle, we’ll add on a discount.

Responsible Driver

Be rewarded for your safe driving. You’ll earn a discount if you’ve driven ticket- and accident-free for the past three years.

Advance Quote

Purchase your RV insurance policy at least one day prior to your start date, you’ll enjoy a discount. The more days in advance, the greater the savings!

RV insurance coverages that fit your unique needs

An RV insurance policy will protect you, your family and your vehicle for recreational use – when you’re on the road, at a campsite or park, or simply vacationing. In fact, if you live in your motorhome or travel trailer, some of our carriers can provide full-time RV insurance packages which include coverages similar to what you’d find on a homeowners policy, like personal liability and loss assessment.

Total loss replacement

We’ll replace your totaled travel trailer or motorhome with a brand new one, minus your deductible, so long as your RV is five model years old or less. If your RV is older than five model years, you’ll receive the amount specified in your policy.


Example: If your totaled RV originally cost $55,000, but is only worth $45,000 today, we’ll pay to replace it with the same model year or later and the same trim level or better—even if it costs more than the original vehicle’s purchase price.

Replacement cost/personal effects

Protect personal property inside your motorhome or travel trailer up to the limits you specify.


Example: You accidently back your trailer into your picnic table, damaging your cell phone and tablet. We’ll pay to replace both items up to the limits of your policy.

Emergency
Expense

If your RV is disabled due to a covered incident and you’re more than 50 miles from your residence, we’ll cover your resulting transportation and lodging costs up to $750 (you may upgrade your coverage to $2000).


Example: You’re more than 100 miles from home when an accident on the highway damages and disables your RV. We’ll help pay for your hotel and rental car costs, up to the limits of your policy , while your RV is being repaired.

Pro tips for quoting RV insurance

Getting the best rate or the right insurance coverage for your RV isn’t as difficult as changing a tire on the side of the interstate. Just keep the tips below in mind before you start your quote:

  • Look up your RV’s value: Knowing your RV’s value will help determine how much coverage you need. Sites like NADA.com are a good starting point for researching your RV’s current worth.
  • Pick the coverages you need: For example, personal effects coverage may make sense for you if you travel with a lot of expensive gear, such as a laptop or camera.
  • Safety first: A clean driving record with both your car and RV can help lower your insurance costs.

Get a quote for your motorhome or travel trailer today and see how much you can save while getting the coverage you need.

Let’s Start an RV Insurance Quote Today

You provide us your information once and we’ll shop the
market for you. It’s fast, safe and secure.

Call 877-334-7646 to speak with an insurance agent.

Got RV Insurance Questions?

How much does RV insurance cost?

Annual RV insurance policies can be affordable. Your premiums for RV, motorhome and travel trailer insurance depends on several rating factors, most notably:

  • Type, age, and condition: Your RV insurance is primarily determined based on the year, make and model of your vehicle. As you can imagine, an older, smaller travel trailer will likely have a lower premium than a larger, newer, luxury motorhome. If you’re insuring a state-of-the-art travel trailer, it will cost more than a smaller pop-up camper.
  •  
  • Use: If you use you RV more often, then it will cost more to insure. In fact, if your RV is also your primary residence, your coverage needs will be different and the premium will differ from a policyholder who uses their motorhome or travel trailer as a weekend warrior.
  •  
  • Driving history: Just like your auto insurance, a clean driving record can help save money when buying RV insurance. Tickets reported on your driving record and prior accidents can increase your premium.
Do you have to have insurance on a travel trailer?

Because you don’t drive your travel trailer, your state likely doesn’t require you to insured the vehicle. However, if you’re financing your travel trailer, then the bank may require comprehensive and collision coverage to protect the collateral against physical damage losses.

If I buy Roof Protection Plus® coverage will it apply to the interior of the RV?

Yes. Progressive’s Roof Protection Plus® coverage does include protection against damage to any part of the RV caused directly by a roof malfunction.

Can I insure destination trailers and horse trailers?

Yes to both. We can cover destination trailers like standard travel trailers and horse trailers can be covered up to the maximum amount allowed by the insurance carry you purchase with.

Location Address

Physical Address:
17901 Von Karman Ave, Suite 600
Irvine, CA 92614

Mailing Address:
PO Box 62436
Irvine, CA 92602

(714) 955-4132 - Local
(877) 344-7646 - Sales & Service
(760) 238-7116 - Agency Affiliation
(888) 316-4832 - Fax

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.

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