More insurance reviews
State Farm is one of the largest insurance companies in the US. With over 19,000 agents, the odds are good there’s a State Farm near you. Besides their home and personal insurance coverage, they have an extensive range of products and services for cars, motorcycles, and RVs.
Your insurance coverage will depend on which state you have registered your RV with. For example, some states require personal injury protection (PIP) coverage which can range from $2,500 to $50,000. Regardless of where you register your RV, the basic RV policy from State Farm provides you with more coverage than adding your RV as an endorsement to your auto policy.
Bodily injury (to yourself and others)
Property damage (caused by you or others)
Underinsured and uninsured
Theft, fire, vandalism and other losses even while in storage
Emergency road service
In addition to your basic RV insurance, your State Farm agent will work with you to customize additional coverage such as travel interruption and personal articles.
Emergency Roadside Assistance
Trip interruption
Can combine with other types of insurance for discounted rates
Although the State Farm website does not state how much their insurance rates are, they offer a variety of discounts based on the insurance coverage. A survey in 2018 stated that new policyholders saved on average a little more than $800 by switching to State Farm.
As with many larger insurance providers, it’s possible some of them will drop your coverage for renting out your RV. Some customer reviews mention that State Farm requires you to inform them each time you intend to rent your RV since they will have to check with their underwriters to determine which carriers will provide coverage.
Alternatively, Roamly offers insurance that lets you rent your RV out without losing coverage. Roamly also makes renting hassle-free because you don't need to report each time you rent. To learn more, or to get a free quote, visit Roamly.
Many insurance companies only offer RV insurance for recreational RV use. If you are a full-time RVer, make sure you make that clear to State Farm when getting a quote. They may provide you with a customized quote that includes personal liability, medical payments to others, emergency expenses, and personal effects coverage.
Not all full-timer insurance is the same, so be sure to shop around with other insurers who specialize in full-timer coverage, including Roamly.
Did you know you could save an average of 35% compared to other insurance companies by getting a comprehensive plan with Roamly? This insurance company was created by passionate RV owners,so they know exactly the type of coverage you need for your RV. No more paying for expensive features you don’t need.
Additionally, Roamly doesn’t stop covering your RV if you decide you want to rent it out on peer-to-peer networks like Outdoorsy. That means you can make extra money when you’re not using your RV.
While State Farm is one of the nation’s largest insurers, they may not offer the best insurance for your specific needs. Roamly, on the other hand, is run by RV owners and enthusiasts like you who are dedicated to helping you find the right insurance that's often more affordable.
As one Roamly customer put it, “Roamly is 33% less than our previous RV policy with State Farm, with no risk of being dropped for renting it out. Most people I talked to reported similar savings. Plus, I got a multiple-vehicle discount rate for my car insurance.
Get a free quote today and in less than 60 seconds you can be on your way to a much less expensive RV insurance policy that's right for you.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, HIPPO Insurance Services, Lyndon Southern Insurance Company and others.