RV Insurance Coverage
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What Does RV Insurance Cover?

At Nationwide, we provide a multitude of coverage features for RVs and motorhomes so customers can get coverage that’s right for their needs. Find out more about what is covered by our policies and start your RV insurance quote today.

Liability Coverage for Motorhomes and RVs

Most states require RV drivers to have liability coverage, or “property damage/bodily injury.” This type of insurance can help cover accident-related expenses, including vehicle damage and personal injury.

Collision Coverage for Motorhomes and RVs

Collision insurance covers damages to your RV in the event of an accident with another vehicle, regardless of fault. Collision coverage also covers RV or motorhome roll overs. If your vehicle is financed or leased, collision insurance may be required.

Comprehensive Coverage for Motorhomes and RVs

Comprehensive insurance covers non-collision damage to your RV. Damage or loss due to vandalism, theft, falling objects, fire, storms, floods and certain other natural disasters are examples of losses that may be covered under comprehensive insurance.

Underinsured or Uninsured Coverage

Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.

Roadside Assistance for Motorhomes and RVs

Nationwide’s optional emergency Roadside Assistance program can help RV and motorhome owners with flat tires, jump starts or towing. This program also covers any trip interruption expenses you incur when you are more than 50 miles away from home.

Medical Payments Coverage for Motorhomes and RVs

Medical payments insurance helps pay medical costs for you and your passengers if your RV is involved in an accident, no matter which party is at fault.

Towing and Labor Coverage for Motorhomes and RVs

Nationwide offers sign and drive towing and labor coverage that also includes coverage for trip interruption expenses such as lodging, transportation and meals.

RV or Motorhome Awning Replacement

Nationwide provides direct replacement and installation needed for awnings at the RV location.

Vacation Liability for Motorhomes and RVs

This type of coverage provides protection in the event of an accident that occurs on the premises while the RV is being used as a temporary residence. We will provide up to $10,000 in coverage with any pleasure-use RV that has physical damage coverage, both comprehensive and collision.

RV and Motorhome Safety Glass Replacement

This coverage will pay for windshield replacement needed for your RV or motorhome.

Replacement Cost and Scheduled Personal Effects

These coverages are provided as primary insurance for both pleasure and full-time RVers. This policy pays before any other policy to limit the need to file a homeowner insurance claim.

RV Insurance Discounts

You may be eligible for a reduced rate on the above policies. Explore Nationwide RV insurance discounts on our already affordable RV insurance coverage.

Once you get your RV insurance quote from Nationwide, check out our RV checklist for tips on preparing your RV for the road.

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