RV and Motor Home Insurance

Why insure your recreational vehicle or motor home on an auto policy, when you don’t use it like an everyday auto?

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Take care of your insurance needs with a licensed agent in your area.

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Online requests will be sent via email within 2-3 business days.

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Foremost® - A Farmers Insurance® Company covers most units from Class A, B and C motor homes to luxury motor coaches, plus travel trailers, fifth-wheels, campers and more!

RV Insurance Coverages

See what’s covered under an RV or motor home policy from Foremost.

Towing and Roadside Assistance

This coverage eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away. There may be no out-of-pocket payments required, either. Just sign and drive. What's more, coverage for your RV and your tow vehicle is included (if towing the trailer at the time), regardless of who is driving or where you are in the US or Canada.

Optional Total Loss Settlement

This option can save you literally thousands of dollars when compared to typical auto policies, which usually pay only the actual cash value for damages to your RV. Optional Total Loss Settlement may provide for a new unit of like kind and quality from the same manufacturer in the event of a total loss.

Vacation Liability Coverage

This provides liability coverage on your site, as defined by the policy, when you are parked and using your RV as a dwelling or for recreational purposes. We also offer a Comprehensive Liability Coverage option that provides coverage similar to a homeowners liability policy.

Personal Property Replacement Cost Coverage

A typical auto or homeowners policy may not provide replacement cost coverage for your personal belongings that are damaged, destroyed or stolen, but an RV policy from Foremost can.

Emergency Expenses Coverage

Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.

Other than Collision

This is included with our travel trailer insurance policies (optional on motor home), but usually isn’t included in your typical auto policy.

Other than Collision coverage applies to direct, abrupt, and accidental loss, including: fire, explosion, flood, falling objects, hail, windstorm, collisions with birds or animals, mischief or vandalism, theft and earthquake. Other than collision also provides coverage for permanently attached structures or equipment, including awnings, satellite dishes, TV antennas and more.

RV Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:

Multi-Policy

Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West®.

Air Bag

Receive a discount when your motor home is equipped with a factory-installed airbag system.

Anti-Lock Brakes

Receive a discount when your motor home is equipped with a factory-installed Anti-Lock Braking System (ABS).

FAQ

Here are just a few of the ways you can save money by choosing Foremost:

The cost of insurance depends on several factors, including the type of RV or trailer, how you plan to use it, and the experience of the driver. It’s no surprise that a brand new, luxury motorcoach may cost more to insure than a camper van. But with optional limits and coverages, you should be able to find a policy that works for your budget.
Full-timers will need to buy additional liability coverage, similar to what you would find in a homeowners policy. Foremost offers full-timer coverage for travel trailers, motor homes, luxury motorcoaches, and more. With RV coverage from Foremost, your insurance goes where you go.
The digital nomad era is showing many of us that life on the road can bring the same luxuries we once thought were limited to our homes. Be sure to communicate all your customizations to your agent to determine eligibility as you select the coverages you want if you have a loss.

Flexible Payment Plans

Foremost offers flexible payment plans including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Our Claim Service for Your RV

Our claims are handled by adjusters who deal specifically with RVs!

Start the journey to A Better Insurance Experience® today with an RV Insurance Quote

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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