Blue Sky RV Insurance Review

Rating: 8.6 / 10 (Excellent)
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Blue Sky is a specialty recreational vehicle insurance program by Recreation Insurance Specialists, LLC., a company with over 40 years of RV experience working with actuarial, product management, underwriting, and claims. A member of the Allstar Financial Group, Recreation Insurance Specialists is accredited by the Better Business Bureau and has an A+ rating with the organization.

How is Blue Sky rated?


Coverage & Benefits
RV Coverage
Customer Support

Overall Rating: 8.6 / 10 (Excellent)

Blue Sky by Recreation Insurance Specialist is a recreational vehicle insurance program with a broad range of standard and specialty coverages for virtually all types of motorhomes. The company's innovative RV insurance option includes features such as total loss replacement with no depreciation, deductible buyback, diminishing deductible, and coverage even when the vehicle is being held at a consignment lot. The Blue Sky RV Program is currently not accepting new policy holders, which means interested parties may have to seek insurance elsewhere or opt for similar insurance coverage from a different Recreation Insurance Specialist carrier.

Coverage & Benefits

Coverage & Benefits - 9 / 10

Blue Sky RV insurance offers a comprehensive array of standard and full-protection coverage including liability coverage, uninsured and underinsured motorist protection, medical payments coverage, comprehensive and collision coverages, Mexico insurance, and 24-hour roadside assistance with multiple towing limit options. The company also provides specialty coverages including total loss replacement, full-timer insurance, adjacent structures coverage, vacation liability, emergency expense and personal effects coverage, and scheduled medical payments, among others. Unlike other insurance services, Blue Sky provides comprehensive emergency roadside assistance with their standard plans, including mechanical first aid, tire service, battery service, fuel delivery, towing, and even theft reward, for which the company pays up to $500 for information leading up to the arrest and conviction of the person or persons responsible for the theft of a member’s vehicle or tagged valuable items.

Basic Coverage

Bodily Injury Liability
Property Damage Liability
Personal Injury
Medical Payments
Uninsured/Underinsured Motorist

RV Specific Coverage

  • Total Loss Replacement
  • RV Roadside Assistance
  • Full Timer
  • Belongings & Personal Effects
  • Permanent Attachments
  • Emergency Expense Allowance
  • Mexico Insurance
  • Vacation Liability

RV's Covered

  • Class A
  • Class B
  • Class C
  • Conventional Trailer
  • Fifth Wheel Trailer
  • Pop-up Tent Trailer
  • Mounted Truck Camper
  • Cargo/Utility & Single Horse Trailer

Blue Sky RV Insurance Cost & Discounts

Cost - 9 / 10

Blue Sky's premiums and deductibles vary by driver, vehicle, and carrier, as their site also functions as an insurance marketplace of sorts. Their main RV insurance program underwritten by Allstar Insurance Group is currently not accepting new membership applications, but Recreation Insurance Specialist can offer potential clients similar specialty coverage from other partner carriers. The company states they have a vanishing deductible option as part of their innovative RV insurance offer, yet no other savings or discounts are listed on their website and it remains unclear whether the diminishing deductible is a free or paid option.
Annual Premium will vary by driver and vehicle
Deductible will vary by driver and vehicle
Disappearing Deductible

Customer Support & Experience

Customer Support - 8.5 / 10

Recreation Insurance Specialists, LLC is a Better Business-accredited company with an A+ rating based on only three negative reviews and a single customer complaint. There are no other online reviews for Blue Sky or Recreational Insurance Specialists from other reliable or impartial sources, so it is difficult to ascertain whether or not the company upholds high customer service standards.


  • Online Claim Reporting
  • 24/7 US-based Support
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Financial Strength

Financial Strength - 8 / 10

Blue Sky mainly offers recreational vehicle insurance underwritten by Allstar Financial Group, yet they extend coverage from other partner carriers as well. Allstar Financial has yet to receive a rating from any of the three major credit rating agencies or A.M. Best, and there is no additional information to be found on Recreation Insurance Specialists, LLC other than the fact that they offer Progressive renters insurance from their Ohio headquarters.
Allstar Financial Group
*The above information reflects the financial strength of the underwriter of the Blue Sky RV insurance policies: Allstar Financial Group.

Contact & Additional Information

Homepage URL
Company Phone
(866) 484-2583
Headquarters Address
202 Montrose West Avenue, Suite 200, Copley, OH, 44321
Year Founded

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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!