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Blue Sky RV Insurance Review

Rating: 8.6 / 10 (Excellent)
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Blue Sky RV Insurance by Recreation Insurance Specialists, LLC to address the special needs of RV and motor home vehicles. The company offers insurance services to a wide variety of recreational vehicles.

This is in response to auto insurance services that also provide RV coverage but has not kept in pace with the advancements in RV and motor homes functionality and design.



Standard RV Insurance

Bodily injury and property damage

Medical payments

Uninsured and underinsured motorists

Comprehensive and collision

Towing and roadside labor

Mexico coverage


Specialty RV Insurance

Total loss replacement

Diminishing deductible

Personal effects

Full timer RV insurance

Vacation liability

Emergency expense

Purchase price guarantee

Awning replacement

Scheduled medical payments

Adjacent structures

Agreed value


Innovative RV Insurance

Total loss replacement RV – up to $120,000 for buying a new RV if a newly bought RV is lost or totaled. You are free to choose a new manufacturer, floor plan and color.

Depreciation free RV insurance – provides actual replacement cost coverage for items. Blue Sky pays for the actual cost of replaced items without taking the item’s depreciated value.

Deductible Buy-back RV insurance – no out of pocket expenses when your RV is totaled or lost.

Diminishing deductible express RV insurance - every loss-free year reduces your comprehensive and collision deductible by 50 percent. After two loss-free year, your deductibles become zero in the event of a loss to your RV.

Consignment coverage RV insurance – coverage when your RV is in the possession of an RV dealer for sale under consignment.



  • Group discounts
  • Multi-vehicle discount
  • Safe driver discount
  • Original owner discount


Fine Print

Not all coverage are available in all states. Coverage descriptions are just summary descriptions of the coverage; they are not intended to replace the policy that is provided to you. Coverage, limits and vehicle eligibility can be different from state to state.


Support Services

  • 24/7 claim processing
  • Notify medical emergency services
  • Email (for non-emergency claims)


The Bottom Line – Blue Sky RV Insurance

Blue Sky RV Insurance offers recreational vehicle owners a comprehensive list of coverage items designed to protect them against costly vehicle breakdown or loss of vehicle. Since this was a product designed from the ground up for recreational vehicles, it offers a wide range of RV specific coverage items. Its “Innovative RV Insurance” goes beyond standard RV coverage to provide that extra level of protection and better savings.   


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Customer Comments & Reviews

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Robert I
Forest City, Iowa
Blue Sky is no longer writing RV coverage and is not renewing policies. Look elsewhere.

I've had the motorhome and truck insured with Blue Sky RV insurance for the past 2 years. Very few companies are interested in insuring "full-timers", which is the category I happen to fall in. The premiums for both the motorhome and truck are more competitive than 2 of the insurance companies you see advertising on TV constantly.

John C
Bonita Springs, Florida
This company canceled my policy without any notice other than an email on the day of cancellation, three months into the first year of the contract. I was 2,000 miles from home, and had to scramble to find alternative insurance before I could move my RV. I have an unblemished record with zero traffic violations or accidents for over 30 years. On asking why I was treated so shoddily, I was told that despite the fact that I was born in and am a resident of the USA, because I happened to have dual citizenship, I was not able to be covered. Unbelievable!

Top Rated
Our Partner
9.7 / 10


  • 96% overall customer satisfaction rating
  • Customers report average savings of $389 per year
  • Total-loss replacement for motorhomes and travel trailers
  • Specialized coverage for full timers or first-time weekend RV'ers
  • RV storage option allows you to save even more by turning off coverage when your RV is not in use!