RV Insurance

AARP RV Insurance From The Hartford to Keep You Moving

Your recreational vehicle (RV) is more than a car, but it’s not quite a house. This can make it challenging to find the right coverage for your home on wheels at an affordable rate. That’s where we can help. Whether you need RV insurance, motorhome insurance or trailer insurance, the AARP® Auto Insurance and Homeowners Insurance Program from The Hartford1 offers specialized protection for your home away from home.


Do You Need RV Insurance?

RV insurance is different than car insurance. That’s why motorhomes, travel trailers and campers need custom coverage. Our RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.


RV Insurance Coverages

You can customize your RV insurance policy with different types of coverage, including:


  • Medical payments: This helps cover treatment or recovery costs if you or your passengers get hurt in an accident.
  • Collision damage: This helps pay for your repair costs if your RV gets damaged in an accident.
  • Bodily injury: If you get into an accident with your RV and other people get hurt, this coverage helps pay their medical expenses.
  • Property damage: If your RV or trailer damages another person’s property, like their car or home, this coverage can help pay for their repairs.


The Best RV Insurance for AARP Members

RV insurance cost If you’re at least 50 years old and an AARP member, you can enjoy great rates and savings on RV insurance with The Hartford. Your membership also makes you eligible for extra benefits, such as:


Hassle-Free Claims Service

Accidents can happen at any time, day or night. That’s why our team is available to help you through the claims process no matter what time you call. Our claims adjusters are located throughout the country to offer nearby help. If you need to file an insurance claim, call 800-243-5860.


Lifetime Repairs

We’ll help you find a trusted repair center to fix your RV if it’s damaged in a covered loss. There are more than 1,600 authorized repair shops in our network, and we’ll stand behind the quality of their repairs for as long as you own or lease your RV.


New Car Replacement

If you total your RV within the first 15 months or 15,000 miles after you buy it (whichever comes first), we’ll cover the replacement cost for one of the same make and model. So, if your new RV is a total loss, replacement coverage can help pay for a new one.


Ways to Save on RV Insurance Costs

Travel trailer insurance As an AARP member, you’re eligible for special car insurance discounts and savings for RV insurance from The Hartford. You may also lower your insurance cost with an auto and home bundle. You can also complete safety courses for a discount on insurance coverage.


Our team is here to help find all the discounts you qualify for when getting RV insurance coverage. We can answer questions about RV insurance quotes and help you and your loved ones stay protected on the road. Call 888-546-9099 to get a quote today.


Common Questions About RV Insurance

How much does it cost to insure an RV?

Your specific cost for RV insurance can depend on your:


  • Age
  • Driving record
  • Policy details, such as types of coverage, limits and deductibles

Does insurance cover water damage on an RV?

Be sure to check if your RV insurance covers water damage. If it doesn’t, you may need to get more coverage to help protect it for these kinds of claims.


What’s the difference between motorhome and travel trailer insurance?

Both of these insurance policies help protect different types of recreational vehicles. Motorhomes are trailers with an engine that can be driven. They have three different classifications based on size. A travel trailer doesn’t have an engine, and requires another vehicle to pull it.


When is RV insurance required?

If you’re driving your RV on the road, most states require you to carry liability insurance. The amount can vary by state, so it’s a good idea to check with your local laws to make sure you’re carrying the right coverage.


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