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RV America Insurance Review

Rating: 8.5 / 10 (Excellent)
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RV America Insurance helps RV operators and owners find RV insurance by connecting them with insurance companies that offer RV insurance. Partner companies include Progressive, National Interstate, Allied/ Nationwide, Blue Sky, American Modern, McGraw, Dairyland, Assurant, Foremost, SafeCo, Mercury, Met Life and GMAC. It offers a variety of coverage and protection options for RV owners and operators.



Covered item depends on the RV insurance provider you choose to work with. Generally however, this includes standard auto insurance items such as personal injury and property damage liability.


Accessories coverage – factory equipped and aftermarket accessories such as awnings, antennae, satellite dishes.

Fire, flood and theft – protect your RV against this threats.

Full-time coverage – much like homeowners policy with personal liability coverage, bodily injury, personal property damage caused by accidents which you are held liable.

Liability coverage - $100,000 for each person, $300,000 per accident and $50,000 for property damage

Low branch collision – covers damage to RV, attached items like awnings, antennae, satellite dishes and air conditioning units

Personal items replacement – starts at $2,000

Total loss replacement – get a brand new RV even if it’s more than the cost of your original RV. For RVs destroyed during its first five model years.



  • Diminishing deductibles
  • Multiple policies
  • Safe driver
  • Anti-theft, personal safety device discounts


Support Services

  • 24/7 roadside assistance
  • Emergency expenses – temporary living and rental car expenses for accidents that happen 50 miles from your home. $750 standard and up to $2,000 per occurrence for full-timers.


Bottom Line – RV America Insurance

RV America offers the most comprehensive list of coverage items simply because of its large network of RV insurance providers. This makes it possible for RV owners to find insurance policies that could better address this needs. RV America Insurance helps RV operators by providing support through its service representatives. However, due diligence should be done since the quality of your RV insurance ultimately rests on your chosen RV insurance provider. A good choice for first time RV owners searching for RV insurance. 

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Customer Comments & Reviews

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Fremont, California
If you live in arizona, do not choose ahs. I have had home warranties with various company I.E. For over thirty years and ahs is absolutely the worst. Hours on hold, no vetting of contractors. Contractors who have 1.X yelp ratings and 2.X bbb ratings. Won't call a new vendor to get a problem resolved that a previous vendor of theirs could not fix twice. They say it is their protocol not to hire a new contractor. "It's in the system and we cannot call a different vendor" is what they say. I had to call my own vendor and plumbing issue fixed in thirty minutes (at my own cost) no customer service culture whatsoever. Overpriced and under deliver. Buyer beware! Ahs is awful!

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!