National Interstate RV Insurance Review

Rating: 7.5 / 10 (Very good)
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Founded in 1989 and headquartered in Richfield, Ohio, National Interstate Insurance is a leading specialty and casualty insurer and wholly-owned subsidiary of National Intestate Corporation. National Interstate Insurance currently employs over 600 individuals and offers more than 30 different insurance products, including traditional insurance, innovative alternative risk transfer programs for commercial companies, and insurance for specialty vehicle owners.

How is National Interstate rated?


Coverage & Benefits
RV Coverage
Customer Support
Financial Strength

Overall Rating: 7.5 / 10 (Very good)

National Interstate Insurance offers comprehensive and specialty RV coverage for a broad range of recreational vehicles, including bus conversions, pop-up units, and companion automobiles. Their plans cover vacation liability, personal property protection, and total cost replacement with no depreciation. Although their discounts and savings may fall short, National Interstate delivers a solid product that caters to people who wish to insure their converted motorhomes or commercial usage vehicles, which most RV insurers fail to include.

Coverage & Benefits

Coverage & Benefits - 8 / 10

National Interstate Insurance offers excellent specialty RV coverage for most recreational vehicles, including bus conversions. Their innovative policies are also available for tow vehicles such as medium-duty trucks, motor homes, pick-up trucks, and SUVs. National Interstate's comprehensive RV plans offer total loss replacement, a purchase price guarantee, a diminishing deductible, personal effects coverage, vacation liability, emergency vacation expenses, windshield replacement, awning replacement, full-timer coverage, agreed value for bus conversions, extended utility trailer coverage, and commercial usage coverage for people who use their RV as part of their business. Their website does not state whether or not their offer basic recreational vehicle coverage, which means prospective clients may have to contact the company directly.

RV Specific Coverage

  • Total Loss Replacement
  • 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
  • Toy Hauler & Horse Trailer

National Interstate RV Insurance Cost & Discounts

Cost - 6 / 10

National Interstate's website provides scant details about their discount options, yet they do state that there are savings opportunities available for associated members, original owners, safe drivers, and people who've taken driver safety courses. As with most insurers, the company does not provide premium or deductible amounts or even estimated ranges, yet consumers interested in their services may speak to an agent to obtain such details and further coverage options.
Annual Premium will vary by driver and vehicle
Deductible will vary by driver and vehicle
Bundle Options
Bundled Policy
Safe/Responsible Driver

Customer Support & Experience

Customer Support - 7 / 10

National Interstate is not yet accredited by the Better Business Bureau and, although they have an A+ rating with the organization, and zero customer reviews thus far. Through a quick web search, interested parties will find mixed reviews for National Interstate from current and former clients, as well as a minor number of complaints regarding their claims processing. The company does not currently offer online claims reporting, tracking, or 24/7 support.
BBB Rating
Date Collected

Financial Strength

Financial Strength - 8 / 10

National Interstate Corporation has not been rated by any major credit rating agency or A.M. Best. The company and its subsidiaries underwrite and sell their property and casualty insurance products, yet there is little to no information about their current credit standing. National Interstate is an independently operated subsidiary of Great American Insurance Company, a property-casualty subsidiary of American Financial Group, Inc., which holds an A.M. Best rating of a- (Strong).
National Interstate Corporation
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the National Interstate RV insurance policies: National Interstate Corporation.

Contact & Additional Information

Homepage URL
Company Phone
(330) 659-8900
Headquarters Address
3250 Interstate Drive, Richfield, OH, 44286
Year Founded

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Customer Comments & Reviews

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Scott h
Artesia, New Mexico
Had insurance thru national interstate for 6yrs now. Had to file my first claim 2 weeks ago after a water line started leaking while we were in the mountains...we continued our vacation instead of returning to get it fixed. The claim was denied because "long term water damage" is excluded...think long and hard before choosing RV insurance. Even this site is paid by insurance companies to advertise there your own research and talk to other RVers....I always thought it was interesting we are legally required to pay insurance companies, but there not required to pay may also look into self insurance or bonded insurance in your state, the money you save on payments might... Read More

Albuquerque, New Mexico
we've stayed with this company because it actively loweres our rates every year, the longer we stay . Unlike other companies who let that " slip by". I like that i can call them and the office women have been more than real and easy to communicate with. I can just get on the pc and look at my documents or make payment. I even have gotten personal call/ voice mail to remind me of the upcoming renewal date, which didnt offend me ~ at all. wowza.THATS real customer service. We've had some claims in recent years, but everything went swiftly. I cant speak for the 3rd party situations. But we feel that we are heard AND listened to and thats why we are happy with this insurance... Read More

gary s
Colorado Springs, Colorado
I had to find out that my insurance had been canceled for non-payment when I called in a claim that I knew wouldn't meet my deductible but I wanted noted regardless. Talking with customer services was pointless. They couldn't care less. I also spoke with a rep from RV America who called and basically was told the same thing. Too bad! I never received any invoice or the notices they say they sent. No telling where those went if they actually did send them. As I told them, why would I ignor a $200 payment and then call in a claim two-weeks after they canceled my policy. This not only left me without coverage but now has put my loan in jeopardy. I will never do business with this... Read More

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!