USAA
USAA RV Insurance
USAA RV Insurance
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What's RV insurance?
RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.
If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.
Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.
Explore full glass coverage and more with Foremost Insurance®.
We added Foremost to help you find the best coverage for your lifestyle. The Foremost program offers coverage for RVs, including the windshield and the glass in your doors, windows, and lights. Plus, there's no deductible.
These plans aren't available in all states.
Insurance for travel trailers
If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.
If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.
Ways to cover your motorhome
RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.
Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.
Insuring a pop-up camper
On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.
Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.
Coverage for slide-on campers
We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.
Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.
Insurance for fifth-wheel trailers
You can get comprehensive, collision, roadside assistance and vacation liability coverage.
If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.
Why get a policy through the USAA Insurance Agency?
Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.
We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925.
How much is RV insurance?
You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes. See note2
IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.
Note 1 The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.
USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.
USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.
USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.
Review the Program Terms and Conditions(Opens in New Window) for more information.Note 2 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.
Note 3 Discounts may not be available in all locations and are subject to change, other restrictions may apply.
Note 4 Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.
Note 5 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.
Note 6 Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.
Note 7 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.
Note 8 Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.
USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.
USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.
The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.
Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.
Coverages subject to the terms and conditions of the policy.6638213
