If you’re new to owning an RV or planning to hit the road this year, one of the big questions on your mind is likely: how much is RV insurance in 2025?
No matter what kind of Class A motorhome, travel trailer, camper van, or fifth wheel you have, insuring your RV investment is a smart move — but understanding what you are and aren’t covered for is just as critical.
At Custom-way, we specialize in RV repair and renovation services — we’re not selling insurance policies, but we often help RV owners with damage not completely covered by their policy. So in this article, we’ll recap key facts about RV insurance coverage so you can make an educated decision (and won’t be surprised if something goes wrong with your next vacation).
Do I Need RV Insurance in 2025?
In all but a few states, RV insurance is mandatory for any motorized RV (Class A, B, or C), just like car insurance. If your RV is a towable model (like a travel trailer or fifth wheel), liability coverage generally is extended from the vehicle doing the towing, but extra comprehensive or collision coverage is optional — and generally a good idea.
Also, if you finance your RV, your lender may require full coverage.
Bottom line: Yes — in most cases, you do need RV insurance.
How Much Does RV Insurance Cost in the USA (2025)?
The cost of RV insurance ranges widely depending on:
- The RV type (motorhome versus trailer)
- RV value
- Your driving history
- How frequently you use your RV (seasonal versus full-time)
- Where you live and how you store it
- Deductibles and limits selected
On average:
| RV Type | Estimated Annual Cost (2025) |
|---|
| Class A Motorhome | $1,000 – $4,000 per year |
| Class B Camper Van | $500 – $1,500 per year |
| Class C Motorhome | $800 – $2,500 per year |
| Travel Trailer/Fifth Wheel | $250 – $800 per year |
Keep in mind — these are estimates. Your actual cost of RV insurance will depend on your individual circumstances and policy details.
What Does RV Insurance Cover?
An excellent RV insurance policy can potentially include:
Liability coverage — Covers injury or property damage to others if you are responsible in an accident.
Collision coverage — Covers damage to your RV due to a collision.
Comprehensive coverage — Covers theft, vandalism, falling objects, fire, storms, and other non-collision incidents.
Personal property coverage — Insures personal belongings in the RV.
Roadside assistance — Towing, jump starts, tire replacement, etc.
Vacation liability — Extra liability coverage while residing at a campground.
Is RV Insurance for Water Damage?
Most RV owners are curious about this: does RV insurance cover water damage? The answer: it depends.
Water damage caused by sudden incidents (like a storm or accidental roof breach) is most likely covered by comprehensive coverage. However, water damage caused by irresponsible maintenance (like prolonged roof leaks or faulty seals) is unlikely covered.
That’s why it’s so important to inspect and maintain your RV regularly. If you do happen to have water damage — for instance, to your RV walls or floorboard — Custom-way offers full RV repair and renovation services to get your rig back out on the highway.
Does RV Insurance Cover Leaks Under the Roof?
Another common query: does RV insurance cover leaks under the roof?
The short answer: sometimes.
If your roof leak is due to a sudden accidental incident (e.g., a dropped branch), it should be covered.
If it’s due to worn seal or lack of maintenance, most policies won’t cover it.
We’ve had many RV owners shocked to find that long-term roof leaks are not covered — that’s why we recommend regular roof inspections and the application of protective RV roof coatings (a service that we offer at Custom-way).
Understanding RV insurance coverage spares you the shock on the road. As much as insurance protects you from most catastrophic hazards, it will usually exclude loss due to wear, neglect, or delayed maintenance — the very kind of issues we can fix here at Custom-way. If you have encountered water damage, roof leaks, or any other problems, contact us now — our experts provide professional RV repair and renovation services throughout California. Let us help prepare your RV for the next outing!