Some of the top recommended motorhome insurance companies are National General Insurance, Progressive Insurance, RV America Insurance, Good Sam Insurance Agency and Blue Sky. Esurance (through Allstate) and Safeco Insurance are also good choices, according to Consumer Advocates.
Coverage and rates for motorhome or RV insurance are designed to include features that car insurance doesn't offer, says Progressive. Customers choose options based on whether RV use is full- or part-time. It can cover expensive items, such as jewelry and electronics, that wouldn't be left in a car or covered by car insurance. It can cover injury or damage that happens at a campsite.
RV policies can also pay for an alternate form of transportation and hotel in the event that something happens to a motorhome, notes Geico, who also recommends RV specific insurance.