RV Insurance
Coverage for your home on wheels
Get to know your RV, trailer, and motorhome coverage options
We offer extensive coverage for all your RV needs to help you focus on the road ahead. Learn more about the unique coverages we offer below, then contact a local independent agent to discuss the right RV coverage for you.
Coverage
Real-life scenario
Standard
Optional
Personal Property Coverage
Covers damage or theft of some personal belongings while in your RV.1
Audio-Visual and Custom Equipment Coverage
Protects your permanent audio, visual and custom equipment that was not installed at the factory or dealership.2
24-Hour Roadside Assistance
If your RV breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance will get you moving again.3
Emergency Assistance Coverage
Includes all the features of Roadside Assistance plus adds coverage for personal property, temporary living expenses, and transportation costs if your RV becomes unlivable.4
Loan or Lease Protection Coverage
Covers the difference between the remaining dollar amount on your loan/lease and how much your RV is actually worth if it's declared a total loss.5
Personal Effects
Optional coverage for personal items used inside and outside of the RV/motorhome.6
We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for your RV.
You could save money with Safeco's RV discounts7
Accident Prevention Course Discount
Offers a discount if the RV operator successfully completes an approved accident prevention course.
Anti-Theft Device Discount
Offers a discount when your RV is equipped with anti-theft devices.
Private Passenger Discount
Offers a discount if you have your auto and RV on the same policy.
Enroll your RV in Safeco's Diminishing Deductible
Remain claim-free and we'll reduce your collision deductible by $100 with each annual policy renewal.8
The deductible will continue to decrease for up to five years or until the $500 maximum is reached and you must be enrolled in Collision Insurance to be eligible.
The deductible will continue to decrease for up to five years or until the $500 maximum is reached and you must be enrolled in Collision Insurance to be eligible.
Common RV insurance questions
Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss motorhome insurance today.
- You can get liability and physical damage coverage for your trailer, camper or motorhome simply by adding it to your policy, but there are many potential coverage gaps if you don't have special RV coverage.
You would receive only actual cash value for your trailer, motorhome or camper. Most likely you wouldn't have coverage for your personal property, awnings, generators and other equipment. Plus, you wouldn't have vacation liability coverage, which protects you in case someone is hurt in or around your RV, and other valuable coverages. - No, your RV can be insured by itself. However, if you insure your RV and car on the same policy, you can get a multi-vehicle discount on your premiums. You will receive an additional discount if you insure your home, condo, or apartment with Safeco.
- Safeco can insure almost any recreational vehicle. This includes Class A, B, and C motorhomes with values up to $1 million.
We also cover fifth wheels and conventional camper trailers, pop-up campers, truck-mounted campers, toy haulers, and utility and horse trailers valued at up to $300,000. However, these values may vary from state to state. - No. Safeco RV Insurance covers vehicles used for personal recreation only. We do not offer coverage for any RV driven or towed to and from work or a work location, including any RV used by touring entertainers, construction workers, and race car drivers.
- If you use your RV for fewer than 250 days per year, Safeco RV insurance has you covered.
1Availability varies by state.
2Availability varies by state. Limits apply.
3Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
4Availability varies by state. Must have Roadside Assistance. Limits apply.
5Availability varies by state. Conditions and limits apply.
6Must have comprehensive and collision coverage. May vary by state. Limits apply.
7Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
8Coverage provided on Collision Deductible Endorsement. May vary by state. Limits apply.