About Recreational Vehicle (RV) Insurance

RV Insurance

Looking for motorhome insurance or recreational vehicle coverage? Look no further than GEICO's enhanced RV insurance policy for your travel trailer or recreational vehicle needs.

What is RV Insurance?

RV insurance is specialized insurance coverage for your recreational vehicle, motorhome, or trailer. GEICO covers motorized recreational vehicles including Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes), as well as sport utility recreational vehicles.

We also provide insurance coverage for towable RVs, including: conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends, folding camper trailers and truck campers.

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV.

Why do you need RV Insurance?

Your recreational vehicle itself is a substantial investment and should be protected with the best coverage available but RV Insurance also protects your RVing lifestyle. Specialized RV insurance covers situations unique to life on the road.

What does GEICO's Enhanced RV Insurance Policy Cover?

GEICO offers an enhanced Motorized RV and Towable RV insurance policy in most states*. These enhanced recreational vehicle insurance coverages include:

  • Total Loss Replacement – provides you with a new, comparably-equipped RV if your RV is totaled within its first five model years. Once five years old or older, this coverage pays the original purchase price of the RV.
  • Replacement Cost Personal Effects – pays for the replacement of your personal items in your RV that resulted from a covered loss. $5,000 of Replacement Cost Personal Effects coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
  • Purchase Price coverage – pays the purchase price of RVs up to seven years old, including the cost for all permanently attached equipment, taxes, title costs, and license fees.
  • Vacation Liability – pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
  • Emergency Expense coverage – pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
  • Special Windshield Deductible – charges nothing for RV windshield repair, and $50 for RV windshield replacement.
  • Recreational Vehicle Medical Payments coverage – pays the cost for necessary medical treatment that is caused in an RV accident, regardless of fault.

*Enhanced RV coverage is currently available in all states EXCEPT: CA, DC, HI, MA, MI, NC, NH, NY, and RI.

Why Buy RV Insurance from GEICO?

GEICO RV Insurance offers superior coverage for your RV, motorhome or trailer at a competitive price. When you call with a question or claim, unparalleled service is our mission. GEICO RV's insurance professionals are committed to excellence, integrity and professionalism that will leave you free to enjoy life on the open road. Why wait? Call 1-800-909-4246 for your free RV insurance rate quote.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.