State Farm RV Insurance: Coverage and Discounts (2022)

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If you can drive your motorhome, you will need to purchase motorhome insurance that meets at least your state’s minimum auto insurance requirements. For the most part, you don’t need insurance for a towable motorhome.

However, even if you are not required by law to have insurance for your RV, it is almost always a good idea to have it. Even the cheapest campers cost several thousand dollars and can house expensive personal effects. Insurance can help protect what you’ve invested in your RV.

Sources of RV damage

Using, moving and even storing a motorhome involves many risks. Comprehensive RV insurance can cover most of them. The most common sources of damage and loss for an RV include:

  • Road accidents: Damage caused by an accident on the road
  • Water damage: Leaking roofs, windows or fixtures can cause water damage inside your motorhome
  • Time: Severe weather events such as tornadoes, hurricanes or floods pose a threat to RVs, even when stored
  • tree fall: Falling trees and tree limbs are a real risk for RV owners, especially if they spend a lot of time in wooded areas
  • Flight: RV theft isn’t as common as auto theft, but it does happen

Traffic accident statistics

When you drive or tow your RV, you are sharing the road with other drivers. Regardless of your driving skill, other drivers can be unpredictable or make mistakes at any time and cause an accident.

The data of the National Highway Safety Administration (NHTSA) shows that the number of vehicle accidents has increased significantly in recent years. The United States recorded 6.76 million motor vehicle accidents in 2019, an increase of almost 25% from 2010. This increase represents an increased risk for all road users when driving. it’s about having a traffic accident.

While the most recent 2020 NHTSA data indicates that the number of accidents was down overall, these figures coincide with a dramatic drop in car traffic during this year. As this is an outlier, we removed it from our analysis.

When you consider that any RV – whether towable or motorized – adds an element of difficulty to navigating traffic, the risk of an accident is something every RV owner should be aware of. Even the most experienced drivers are at risk of accidents, which can result in bodily injury or high property damage costs to your RV.

RV Fire Statistics

Infographic showing RV fire damage statistics from 2018 to 2020

Fires are one of the most common sources of loss for RV owners, as many RVs are equipped with stoves and electrical appliances. According to data from the Federal Emergency Management Agency (FEMA), US fire departments reported an average of 4,200 RV fires each year between 2018 and 2020, resulting in an average of 125 injuries and 15 fatalities each year. During this same period, RV fires averaged $60.3 million per year in total and $15,350 per incident in property damage costs.

Damage to your RV caused by fire is covered under a comprehensive State Farm policy. However, if a fire in your RV causes property damage or injury to others, your standard liability policy will not cover such claims.

Some insurers offer vacation insurance policies that provide coverage in these situations. If you use your RV as your primary residence, you can purchase a full-time liability insurance policy that covers you in these cases. State Farm does not specifically list these types of coverage, but may offer them.

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