RV Insurance Calculator
Estimate coverage for a motorhome, travel trailer, fifth wheel or camper van — and work out whether you need a recreational policy or full-timer coverage.
RV Insurance Estimator
Every factor used is shown in the results panel. This is a structural estimator, not a quote — see the method note below.
Estimated Premium
Structural estimate from your inputs
per month
Structural estimate only. Actual premiums depend on claims history, driver records, vehicle age and carrier underwriting. If the RV is your full-time residence, confirm in writing that the policy includes full-timer liability and contents coverage.
Full-timer or recreational: get this wrong and the gap is enormous
An RV is the only common personal asset that is both a vehicle and a potential residence, and insurers write it as two different products. A recreational policy insures a vehicle: liability arising from driving it, and physical damage to it. A full-timer policy insures a home: personal liability for what happens in and around the RV, contents, and loss-of-use if it becomes uninhabitable.
If you live in the RV full-time and hold only a recreational policy, you have no liability coverage for a visitor injured inside your home, and no contents coverage for your belongings. Those are the same gaps a renters policy exists to close. The distinction is not a marketing tier — it is a different insuring agreement, and it is worth asking about in writing.
What full-timer coverage adds
- Personal liability — injuries to guests and damage to others' property at your RV site.
- Contents coverage — your belongings inside the RV, at a limit you choose.
- Loss of use — somewhere to stay while the RV is being repaired or replaced.
- Full-timer personal effects — often available as a scheduled add-on for higher-value items.
The estimator applies disclosed factors to the stated value and adds a flat liability component that increases if you select full-timer usage. It is a shape, not a quote — real RV pricing depends on driver records, claims history and vehicle age. Our data methodology page documents how our published data is built.
Frequently Asked Questions
What is the difference between full-timer and recreational RV coverage?
This is the most important question on an RV policy. If you use the RV for trips and keep a house, you are a recreational user and the RV is insured as a vehicle. If the RV is your residence — you live in it full-time with no other home — you need full-timer coverage, which adds personal liability, contents and loss-of-use protection that a vehicle policy does not provide. Insuring a full-time residence on a recreational policy leaves you without liability coverage for things that happen in and around your home.
Why is RV insurance different from car insurance?
Three structural reasons. An RV is a home as well as a vehicle, so it can carry contents, liability and loss-of-use coverage. It is far more expensive to repair, so collision and comprehensive are priced differently. And it is used intermittently — often seasonally — which is why annual mileage and storage arrangements affect the premium.
Is a travel trailer covered by my auto policy while I am towing it?
The liability exposure while towing is usually covered by the towing vehicle's policy. What is not covered is the trailer itself — its physical damage — which needs its own policy, and the contents and liability exposure when it is parked and detached. That is why travel trailers are typically written on their own policy rather than added to the tow vehicle.
What is total loss replacement coverage on an RV?
An endorsement that pays for a new comparable RV, or a stated amount, if your RV is a total loss within a defined window — commonly the first few model years of ownership. Without it, a total loss settles at actual cash value, which on a motorhome depreciates quickly. If you bought new and financed it, this endorsement is worth pricing.
Does RV insurance cover personal belongings inside?
Recreational policies often provide limited contents coverage, or none — your homeowners or renters policy may extend some coverage to personal property in a vehicle. Full-timer policies include contents coverage as a core part. If you travel with expensive equipment, check the limit specifically rather than assuming.
What happens if I store the RV for the winter?
Tell your insurer. Many carriers offer a reduced premium for a stated storage period when the RV is not being driven, and some require you to notify them. Comprehensive coverage should stay in place through storage — that is when theft and weather damage happen — while collision is the part that can be suspended.
Related Calculators & Guides
Auto Insurance
Vehicle liability and collision.
Boat & PWC Insurance
Hull, liability and lay-up periods.
Renters Insurance
Contents and liability for a rental.
Travel Insurance
Trip cancellation and medical coverage.
How Much Umbrella Cover?
The exposed-asset calculation.
Policy Language, Translated
Conditions and exclusions in plain English.
* Structural estimate only. Actual policy cost depends on individual qualifications and carrier underwriting rules. InsurTool is not an insurer, agent or broker.