Get to know your RV, trailer, and motorhome coverage options

We offer extensive coverage for all your RV needs to help you focus on the road ahead. Learn more about the unique coverages we offer below, then contact a local independent agent to discuss the right RV coverage for you.

Coverage	Real-life scenario	Standard	Optional
Personal Property Coverage	Covers damage or theft of some personal belongings while in your RV.1
Audio-Visual and Custom Equipment Coverage	Protects your permanent audio, visual and custom equipment that was not installed at the factory or dealership.2
24-Hour Roadside Assistance	If your RV breaks down, we won’t leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance will get you moving again.3
Emergency Assistance Coverage	Includes all the features of Roadside Assistance plus adds coverage for personal property, temporary living expenses, and transportation costs if your RV becomes unlivable.4
Loan or Lease Protection Coverage	Covers the difference between the remaining dollar amount on your loan/lease and how much your RV is actually worth if it’s declared a total loss.5
Personal Effects	Optional coverage for personal items used inside and outside of the RV/motorhome.6

We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for your RV.

You could save money with Safeco's RV discounts⁷

Accident Prevention Course Discount

Offers a discount if the RV operator successfully completes an approved accident prevention course.

Anti-Theft Device Discount

Offers a discount when your RV is equipped with anti-theft devices.

Private Passenger Discount

Offers a discount if you have your auto and RV on the same policy.

Enroll your RV in Safeco’s Diminishing Deductible

Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal.⁸

The deductible will continue to decrease for up to five years or until the $500 maximum is reached and you must be enrolled in Collision Insurance to be eligible.

Common RV insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss motorhome insurance today.

Should you just add your RV to your existing auto policy?

You can get liability and physical damage coverage for your trailer, camper or motorhome simply by adding it to your policy, but there are many potential coverage gaps if you don't have special RV coverage.

You would receive only actual cash value for your trailer, motorhome or camper. Most likely you wouldn't have coverage for your personal property, awnings, generators and other equipment. Plus, you wouldn't have vacation liability coverage, which protects you in case someone is hurt in or around your RV, and other valuable coverages.

Is Safeco auto insurance required as well?

No, your RV can be insured by itself. However, if you insure your RV and car on the same policy, you can get a multi-vehicle discount on your premiums. You will receive an additional discount if you insure your home, condo, or apartment with Safeco.

What kinds of RVs does Safeco cover?

Safeco can insure almost any recreational vehicle. This includes Class A, B, and C motorhomes with values up to $1 million.

We also cover fifth wheels and conventional camper trailers, pop-up campers, truck-mounted campers, toy haulers, and utility and horse trailers valued at up to $300,000. However, these values may vary from state to state.

Does Safeco cover RV used for business or commercial purposes?

No. Safeco RV Insurance covers vehicles used for personal recreation only. We do not offer coverage for any RV driven or towed to and from work or a work location, including any RV used by touring entertainers, construction workers, and race car drivers.

What if you plan on living in your RV for the summer?

If you use your RV for fewer than 250 days per year, Safeco RV insurance has you covered.

1. Availability varies by state.
2. Availability varies by state. Limits apply.
3. Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
4. Availability varies by state. Must have Roadside Assistance. Limits apply.
5. Availability varies by state. Conditions and limits apply.
6. Must have comprehensive and collision coverage. May vary by state. Limits apply.
7. Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
8. Coverage provided on Collision Deductible Endorsement. May vary by state. Limits apply.