RV Insurance


Available Coverage for RVs
With so many different types of recreational vehicles (RVs) like Class A, B, and C motor homes, motor coaches, camper vans, and travel trailers, the different insurance policies might seem confusing. Whether you roam the roads full time or you're just getting started with your RV, Kemper’s RV Insurance policies include the minimum coverage required by most states:

  • Liability
  • Bodily Injury
  • Med Pay
  • Uninsured/Underinsured Motorist Coverage

RV Insurance Frequently Asked Questions

How much is RV insurance?
RV insurance on average can cost anywhere from $1,000 to $2,000 a year. However, RV insurance policy premium can vary significantly depending on the RV class. For example, Class A RV premium rates tend to be higher than Class C RV premium rates.

Does RV insurance cover water damage?
RV insurance covers water damage similar to a homeowners policy. Liability insurance typically covers everything from water damage to collision and even fires. Your policy coverage along with the make and model will determine how much you will pay in the event of water damage.

Do I need RV insurance?
Depending on the type of RV, you may not need any additional insurance outside of your auto policy. However, if you drive your RV instead of towing it, then RV insurance is required.

Ready to get a quote?

Kemper provides RV insurance coverages through non-affiliated insurance companies to help you save time and money. You'll be able to customize your coverage during the quote process so you can find a rate that will protect your RV and fit your budget.