RV · Originally published February 26, 2015 · Updated November 2026
RV policies tend to renew quietly year after year, even as the RV ages, your travel changes and your driving record improves. A short review at renewal can trim your premium without leaving you exposed. This guide is for owners who already have a policy. If you're still shopping for an RV, the best move is to get insurance quotes before you sign.
Understanding the main rating factors shows you where you have room to move:
A higher comprehensive and collision deductible usually lowers your premium. The tradeoff is more out of pocket after a claim, so choose an amount you could pay tomorrow without stress. Many owners set the deductible years ago and never looked at it again.
If you used to live in your RV but now only take weekend trips, tell your agent. Full-time coverage includes protections a part-time owner may not need. The reverse matters too: if you've started living in it, you need coverage written for that. See full-time RV insurance.
If your motorhome sits for months each year, ask about a storage or lay-up option. Our article on RV storage insurance explains how that can work.
Discount names and availability vary by company, but common ones include:
Ask your agent which discounts are on your policy now and which you might be missing.
As an older towable loses value, the cost of full physical damage coverage may come closer to what the trailer is worth. Some owners choose to keep comprehensive and adjust collision, or raise the deductible. Do the math before you drop anything, and keep in mind that a lender may require certain coverages.
Be careful about cutting liability. A motorhome needs at least the liability your state requires, and an RV can do a lot of damage in a crash. If you have significant assets, an umbrella policy can add protection above your RV and auto limits.
Tickets and at-fault accidents can raise motorhome rates just as they do for cars. Defensive driving on long downgrades and in heavy Branson traffic is good for your safety and your premium.
Rates for the same RV can vary widely between companies. As an independent agency, we can compare options from several insurance companies we work with at once.
Call us at 417.865.4800 or request a quote below, and we'll review your current RV insurance before it renews.
Usually, yes. Just pick a deductible you could comfortably pay if you had a claim.
You can adjust physical damage coverage on a paid-off trailer, but compare the savings to what it would cost to replace the trailer yourself. A lender may require coverage if there is a loan.
Many companies offer a multi-policy discount, and having your tow vehicle and RV with the same company can also simplify a claim that involves both.
Or send your details and an agent will call you back with options from the companies we work with.