About
RV America Insurance is a trusted insurance brokerage that helps customers find the best rates by comparing coverage across six top-rated insurance companies. Rather than being tied to a single carrier, the agency acts as an independent advocate, shopping the market on behalf of RV owners, boaters, motorcycle riders, and other specialty vehicle owners. The platform covers a wide range of vehicle types including towable RVs (fifth-wheels, travel trailers, truck campers, pop-up trailers), motorized RVs (Class A, B, and C), boats and watercraft (pontoons, bass fishing boats, yachts, wave runners), motorcycles (cruisers, sport bikes, scooters, ATVs, dirt bikes), as well as mobile homes, collector cars, and standard home/auto policies. Coverage options are extensive and tailored to each vehicle type. For RVs, these include full-timer coverage, total loss replacement, 24/7 roadside assistance, accessories coverage, emergency expense coverage, and high liability limits. Marine coverage includes on-water towing, personal effects protection, and uninsured boater coverage. Motorcycle policies offer custom accessories coverage and comprehensive theft protection. Customers can start a quote online in two easy steps or call agents directly during extended business hours (Monday–Friday and Saturday). The service is best suited for RV enthusiasts, boaters, motorcycle riders, and anyone seeking specialized vehicle insurance at competitive rates.
Key Features
- Multi-Carrier Comparison: Compares rates from six top-rated insurance companies so customers get the best price without shopping individually.
- Wide Vehicle Coverage: Covers RVs (Class A/B/C, fifth-wheels, travel trailers), boats, motorcycles, ATVs, mobile homes, and collector cars.
- Specialized RV Coverages: Offers full-timer coverage, total loss replacement, emergency expense coverage, and 24/7 roadside assistance tailored for RV lifestyles.
- Easy Online Quote: Two-step online quote process collects contact and vehicle information so agents can quickly return personalized rate results.
- Live Agent Support: Licensed agents available by phone Monday–Saturday with extended hours across Eastern and Pacific time zones.
Use Cases
- An RV owner shopping for the best full-timer insurance policy to cover their motorhome as a primary residence.
- A boat owner looking to compare liability and total loss replacement coverage across multiple insurers in one step.
- A motorcycle enthusiast seeking custom accessories coverage and roadside assistance bundled into one competitive policy.
- A collector car hobbyist wanting agreed-value coverage from a specialty carrier at a lower rate than going direct.
- A family with both an RV and a travel trailer wanting to consolidate all specialty vehicle insurance with one agency.
Pros
- Broad Product Range: One agency handles RV, marine, motorcycle, home, auto, and collector car insurance — convenient for customers with multiple specialty vehicles.
- Competitive Rate Shopping: Comparing six carriers at once saves time and typically yields lower premiums than going directly to a single insurer.
- Extended Agent Availability: Six-day-a-week phone support with long daily hours makes it easy to reach a real person for guidance.
Cons
- No Instant Online Quotes: The online form collects information for agents to follow up rather than providing immediate bindable quotes.
- US-Only Coverage: Service is limited to US residents with state-specific address requirements; not available internationally.
Frequently Asked Questions
How does RV America Insurance find me the best rate?
RV America Insurance acts as an independent broker, submitting your information to six top-rated insurance carriers simultaneously and presenting the most competitive rate and coverage combination for your vehicle type.
What types of RVs can I insure through RV America Insurance?
You can insure all major RV types including Class A, B, and C motorhomes, fifth-wheels, travel trailers, truck campers, and pop-up trailers.
Does RV America Insurance cover full-timers who live in their RV year-round?
Yes, they offer specialized full-timer coverage designed for RV owners who use their vehicle as a primary residence, including higher liability limits and personal property protection.
Can I insure my boat or motorcycle through the same agency?
Yes, RV America Insurance covers boats, personal watercraft, motorcycles, ATVs, scooters, dirt bikes, and more, so you can manage multiple specialty vehicle policies through a single agency.
How do I get a quote?
You can start a two-step online quote on their website or call (800) 400-0186 during business hours to speak directly with a licensed agent.
