Further examples are the company’s storage option and low mileage discount—both great solutions for part-time RVers. Baby Boomers are more likely to own a home and those that were born between 1946 and 1964 are now heading into retirement. This makes them more prone to RV part-time rather than full-time when compared to Millennials, for example. Some Baby Boomers end up making their RVs a home-on-wheels, but many are also likely to take their RV out for vacation with their families, or to explore the great outdoors for certain seasons or periods of time.

Be sure to take an inventory of all of your personal belongings inside the home, value them, and calculate what it would cost to repair or replace your stuff if they’re damaged, destroyed, or stolen by a covered loss. Most of the top home insurance companies will provide checklists, calculators, apps, and other resources to help you keep track of and protect your belongings.


All of Progressive’s RV insurance policies come with standard coverage: comprehensive, collision, liability, uninsured/underinsured motorist, and medical payments. Consumers seeking extra coverage will see that Progressive provides a number of options at no additional cost, including pet injury, Mexico physical damage, and trailer coverage for motorhomes.
A prescription plan is another important consideration. If you need to take medications regularly you'll want to choose a plan with a good prescription plan. If you need to insure your entire family, you'll want to look at family deductibles and maximums. Only full-coverage options will satisfy the minimal essential health care insurance required to get around paying the fine.
According to Greg Gerber, “Most car insurance firms don’t have a clue of what can go wrong with an RV and don’t provide the coverage to get it fixed adequately,” which is why he advises consumers to get a separate policy for their RVs instead of bundling, to “avoid the hassle that can come if the RV itself is broken and they’re trying to get their car insurance company to fix it.” 
Plans vary greatly. But the general rule of thumb is that the less you pay per month, the higher your deductible is. Higher premiums are usually associated with lower deductibles. Generally it is beneficial for those with existing health issues to opt to pay more per month and less out-of-pocket for services. Those in good health often opt for a high deductible option in hopes that they never have to actually pay the deductible but would mostly be covered if something major happened. 
Personal injury or bodily injury protection, which is often a part of full coverage car insurance, covers medical costs for you, your passengers, or other people injured in an accident. This type of coverage is required by most states, but keep in mind that the legal requirement may be too low for real world application. As medical costs soar, a policy that only pays out $30,000 is not likely to be enough, and you will be responsible for any difference between what your policy pays and what the actual medical costs are. It’s tempting to skimp on this coverage, but that can be a costly mistake.
This longstanding insurance company has a lot of options, so there's sure to be a comprehensive plan that meets your needs. Blue Cross Blue Shield is a nationwide provider made up of local independently operated companies. This means the coverage is broad but can vary depending on where you live. There are more plans compared to other insurance providers we evaluated. In fact, we were given a choice of about 20 plans during testing. There is a side-by-side comparison feature that outlines specific costs and benefits with a pop-up window that shows you even more information about each. 
A prescription plan is another important consideration. If you need to take medications regularly you'll want to choose a plan with a good prescription plan. If you need to insure your entire family, you'll want to look at family deductibles and maximums. Only full-coverage options will satisfy the minimal essential health care insurance required to get around paying the fine.
Bus-conversion homes are a popular and fast-growing trend within the RV lifestyle. City buses, Greyhounds, and even school buses are highly sought after and, once renovated, become non-traditional RVs that fall into the Class A category. While bus renovation projects are becoming mainstream, they can be difficult to insure. Buses, especially school bus-converted homes or “Skoolies,” are considered more of a risk due to their weight and balance limitations. Vehicles originally built for mass transportation do not have the same axle and weight distribution as traditional RVs, which are designed for sleeping and carrying additional living necessities.
Additional living expenses, or loss-of-use coverage is typically a fixed amount – 20% of your dwelling coverage. However, if you live in an area prone to wildfires or hurricanes, it's worth checking with your insurer to see if they offer higher coverage limits in the event a catastrophe forces you from your home for an extended period. Additional living expenses can add up, so it may be worth the added peace of mind to increase this coverage component.
With Travelers green home coverage endorsement, you get additional protection that will repair, replace, or rebuild your home with designated “green materials” after a covered loss. Additionally, Travelers offers a green home discount which lets you save up to 5% if your home is certified “green” by the Leadership in Energy and Environmental Design (LEED) U.S. Green Building Council, a green energy ratings and verification company.
While some auto insurance policies extend liability coverage for towable RVs, they are still significantly large investments, especially if your RV is financed or is a motorhome in which you live. Most RVs contain personal belongings, home essentials, and attachments, all of which require coverage beyond what’s offered in a basic car insurance policy. For this reason, RV insurance usually has comprehensive coverage plans, which covers personal injury, theft, and natural disasters in addition to liability. RV insurance providers also offer a variety of specialized coverage options.
Collision coverage is very important for protecting your vehicle against the financial loss that comes with physical damage to your vehicle. It's not hard to get into accident. When an accident happens, someone is always at fault, and that could be you. Collision insurance will cover damage from a collision with another vehicle, tree, pole, guardrail and most other possible roadway hazards.
Be sure to take an inventory of all of your personal belongings inside the home, value them, and calculate what it would cost to repair or replace your stuff if they’re damaged, destroyed, or stolen by a covered loss. Most of the top home insurance companies will provide checklists, calculators, apps, and other resources to help you keep track of and protect your belongings.
How much car insurance costs depends on the amount of risk you pose to your auto insurance company. Remember, if you have an incident and make a claim on your insurance policy, your insurance company must pay – even if you’ve only paid them $1,000 in premiums and you make a claim that costs $100,000. If it’s more likely that you’ll need to make a number of claims on your car insurance, you’ll get charged more. It’s just the insurance company making sure they don’t lose money on your policy.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
It's important to be vigilant in looking for red flags when shopping for health insurance online. Even companies with legitimate-looking websites can be fraudulent. For instance, a Florida-based private health insurance company was shut down in fall 2018 for selling worthless plans to consumers and collecting more than $100 million in profits, according to the Federal Trade Commission. People paid as much as $500 per month for what was just a medical discount program, not insurance. The Coalition Against Insurance Fraud says con artists are exploiting general confusion over healthcare reform, so here are some of its tips to avoid getting ripped off.

At U.S. News, we’re all about helping people make life’s important decisions, and we’ve been informing people since 1933. In 1983, we launched our college rankings, which for decades has set the standard in educational rankings. Since then, we’ve used our expertise to rank everything from hospitals to diets to states, and in 2007, we started ranking cars. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings.

A quick look at the company’s page on the Better Business Bureau shows just how satisfied consumers are with its customer service. Most insurance companies display a large amount of negative feedback online—it comes with the territory—National General, however, enjoys largely positive customer reviews and averages fewer complaints than many of its competitors. Baby Boomers highly value good customer service, and this level of satisfaction with National General can also be seen on other online review outlets.


Over the nearly fifty years since it started offering its services to RV owners, the Good Sam Insurance Agency has prided itself on providing consumers an excellent customer experience. The company’s agents are extensively trained to ensure that every customer finds the type and level of coverage that best fits their RV lifestyle, but also that they get treated with the utmost respect and friendliness.
×