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Moriarty NM

1/2 Mile West of TA Truck Stop on Route 66 with yellow pipe fence

(505) 220-5796

New Idle-Time Travel Trailers

We do not currently have any New Idle-Time travel trailers in inventory.  New models will be arriving from the factory soon!

New Idle-Time 5th Wheels

2024 Idle-Time 255RKS 

About Idle- Time

Kay’s RV is proud to be an authorized dealer for Idle-Time.  Idle- Time is manufactured by Allen Camper, based in Allen, Oklahoma.  Allen Camper is a family owned and operated business, building quality RV’s since 1958.  

Consider a few of the many benefits of Idle-Time Travel Trailers that sets them apart from the competition:  

• Lightweight units for ease of towing 
• High grade plywood floor (as compared to soft floors of the competition) 
• Strict attention to quality-built frames, including heavy duty axles and an extra outrigger in key locations
• More excess weight capacity on axles and tires 

Ask us about Special Orders! Choose from a wide selection of floorplans and sizes!

Idle Time RVs by Allen Camper MFG Co.

Idle Time RVs are a lightweight fifth wheel which makes them easy and simple to tow. Each detail from the inside out is inspected in great detail to ensure that you are receiving the best looking and quality RV. Every trailer is composed with heavy duty axles and an extra outrigger in essential locations. Browse our selection of Idle Time RVs below and find the fifth wheel that best suites your camping needs. See something you like? Contact us or come see us in person and we will gladly help answer any questions you have!

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• 530-755-4036

New 2009 Allen Camper Manufacturing Outpost Lite 231 BH

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• 530-673-3927

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New 2024 Allen Camper Manufacturing Idle-Time 289 RLS

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• 918-291-1011

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You are here: Home // Living & Lifestyle // Stuck with an Old Travel Trailer? Here’s How To Make It Work

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Stuck with an Old Travel Trailer? Here’s How To Make It Work

Published on June 6th, 2024 by Chelsea Gonzales

Our family started our full time RVing journey in a teeny tiny, 10-year-old bumper pull trailer. We eventually moved on to a bigger trailer, and then again to our favorite rig thus far, a Class C motorhome. Unfortunately our Class C gave out on us last summer , and we find ourselves in an old travel trailer once again.

Obviously this situation is far from ideal, but we’ve lived in old trailers before, so we’ve pretty much figured out how to make these kinds of rigs work for us. If you’re also at a point where an old travel trailer is all you have access to, you’ve come to the right place. Here’s how you can get the most out of your older, outdated rig!

Keep It Sealed

First and foremost, it is so very important that you keep your old travel trailer sealed up. This is important no matter what rig you have, but older RVs are all the more likely to have cracked, worn, or missing sealant in various places, something that can lead to leaking. And as we all know, water leaks are a recipe for disaster that can very quickly leave you with no RV at all. 

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Fortunately, it’s easy enough to avoid problems with water leaks as long as you stay on top of resealing the trailer. As soon as you acquire the RV, head outside with a caulking gun in hand and apply RV sealant to every crack and crevice. Touch this sealant up at least once a year—but preferably every 6 months—to ensure no leaks appear. 

Make Repairs

If your RV is older, it’s very likely there is some damage somewhere. Depending on what the damage is and how handy you are, it’s likely you will be able to make repairs yourself, and this is something you should do sooner rather than later in order to have a fully functioning rig and avoid further damage that can be caused by existing issues. 

In our most recent trailer, the damage was, unfortunately, water damage. Luckily, it was minimal. We used a product called Git-Rot in conjunction with a product called Sculpwood Putty to fix the problem. Sometimes though, using such products is not possible and the wood will need to be removed and replaced. 

Other repairs we’ve had to make on travel trailers have included replacing a skylight, an A/C unit, a microwave, window seals, a city water connection, a 30-amp plug head, and many, many other things. Of course, we’ve also done our fair share of resealing things over the years. 

Give It a Face Lift

With your trailer all sealed up and repaired, it’s time to start making it your own. Since you’re dealing with a trailer that likely isn’t worth a whole lot anyway, you really don’t have to worry about diminishing the value of the RV and can focus solely on creating a space that you love. 

Painting the interior of a travel trailer is not easy. It requires a lot of patience as you sand and prime the entire space (yes, you really do have to) as well as some gymnastics to get into all the nooks and crannies. That said, it can very easily make an old, run-down space feel bright and welcoming, and might just be the best way to give an old trailer a face lift. 

Add Backsplash

Adding a backsplash behind your kitchen and bathroom sinks is easy with peel-and-stick tile. This is one of those upgrades that is so simple and inexpensive, it’s pretty much a no-brainer—and really, the added color can make a huge difference. 

Try Wallpaper

Peel-and-stick wallpaper is also pretty easy to put up, and if you buy the right kind, you can peel it off again if you decide you aren’t happy with the end product. That said, we did have some trouble keeping the corners of the paper down, so you might need to add something extra sticky under the edges of your wallpaper if you plan to leave it up long term. 

Replace Hardware

We replaced all of the drawer pulls and cabinet handles in our first trailer, and I was surprised how much it changed the look of the place. If you want to modernize your space but don’t want to spend a lot of time or money, replacing the cabinet and drawer hardware is a good place to start. 

Change the Floors

As with painting, changing the floors in a travel trailer is a huge pain in the booty—so much so that we’ve never even attempted it. That said, we’ve watched friends do the job, and it is doable and worthwhile if your floors are bad enough. We recommend using luxury vinyl planks , which snap into place. 

Replace Furniture

RV furniture is not made to last 10+ years. This becomes very apparent as soon as you sit on a 12-year-old trailer couch. Fortunately, it is totally possible to replace travel trailer furniture with any furniture you can get your hands on. Not only that, but choosing to replace the furniture means you can adjust the floor plan to suit your needs. 

My recommendation for those on a budget? Measure your space (and the width of your door, so you know what will fit through) and head to garage sales and thrift stores to see what you can find. 

IKEA is also a good place to shop for RV furniture, as they have many smaller items. When we bought furniture from IKEA, we really appreciated that everything was disassembled, making it easy to fit through the tiny front door. 

Pick Out Decor

Finally, pick out some fun decor that gives your old travel trailer some personality. This doesn’t have to cost a lot. Amazon has tons of wall decor that is inexpensive but cute. You can also find pieces at thrift stores or even create some art yourself. 

More RV Decor Tips

10 ways to repurpose old rv parts, essential upcycling tips every rv owner should know, how to install rv wall anchors, 9 ways to display travel pictures in your rv, how to upgrade your rv light fixtures, get creative with storage.

One thing that is frustrating about our current trailer when compared to our former Class C? The extremely limited storage space. This means that even though our trailer’s cargo carrying capacity far exceeds that of the Class C, we still have to be really intentional about what we hold onto. 

Use these tips when storing things in your older travel trailer:

• Make use of wall space. Hang shelves, baskets, spice racks, shoe holders, and other wall-mounted storage solutions to maximize vertical space that otherwise goes unused.
• Get stackable bins and shelving to use inside of tall cabinets so you can likewise make use of all that internal vertical space.
• Pick furniture items that include storage space. A couch with storage space underneath or a table with built-in drawers will help. 
• Put unused blankets and clothes in vacuum storage bags until they’re needed again.
• Avoid bulky, single-use kitchen appliances. Opt for multi-functional appliances instead. 
• Buy stackable or collapsible items whenever possible. 
• Consider using waterproof bins in the bed of your truck for storage of non-valuables. Just make sure your truck can handle it. 

Help Travel Days Go Smoothly

The thing we dislike most about going back to an old travel trailer after living in a Class C for so long is the actual traveling. Breaking camp takes significantly longer, pulling the trailer is more stressful than driving the motorhome, and we don’t have easy access to snacks and a bathroom as we drive. 

To combat these things, we do the following:

• Wake up earlier to give ourselves time to break camp and hitch up without feeling rushed, OR get everything packed and ready to go the night before. 
• Look for stops along the way that have pull-through parking so we can sleep without unhitching. 
• Avoid steep grades and big cities whenever possible to reduce the stress of towing. 
• Pack plenty of snacks in the truck so we don’t need to pull over when someone gets hungry. 
• Plan for bathroom stops. We add time for bathroom breaks into our total travel time and look for rest stops along our route the night before. 

Obviously, the trailer still isn’t as convenient as the Class C, but these things help make it manageable to live and travel full time in an old travel trailer, even if it isn’t our favorite.

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6 RVs You Can Pull with an SUV

Our list starts with Flagstaff’s E-Pro line of travel trailers . These SUV towable RVs have been a mainstay for RVers looking for off-road capability from a camper they can tow with an SUV or small truck.

With 13 models to choose from, the E-Pro line of campers ranges in length from approximately 12 to 21 feet. The smallest E-Pro, the E12S, has an unloaded vehicle weight (UVW) of just 1,900 pounds. Meanwhile, the E20FKS is the largest E-Pro and has a UVW of almost 4,000 pounds. There’s quite a range, so look for E-Pro models within your SUV’s towing capacity. 

E-Pro travel trailers are not only small and light but rugged and designed to go off the beaten path. They come standard with 15” Mud Rover Radial tires and a lift kit for additional clearance. And, like many other Flagstaff RVs, they’re built with Azdel paneling, which is mold-resistant and offers better insulation. 

You’ll also enjoy standard features like an outdoor shower, an outside griddle with LP hookups, a fixed exterior ladder, and outdoor speakers. 

Jayco Jay Feather Micro

The Jay Feather Micro is a lightweight single-axle offering from popular RV manufacturer Jayco. It offers the traditional RV comforts of Jayco’s larger campers in an SUV-friendly format. With available models, Jay Feather Micro travel trailers range in length from approximately 19 to 23 feet, and the unloaded weights go from 3,895 pounds to 4,510 pounds.

The compact yet comfortable floorplans range from couples campers to mini bunkhouses capable of sleeping eight! Like most of these SUV-friendly travel trailers, a Jay Feather Micro can fit into almost any size campsite. 

While Jay Feather Micro is an entry-level RV line, it offers excellent Jayco construction features like 0-100 degree Climate Shield protection and Azdel-constructed walls for moisture resistance and increased insulation. With 55-gallon fresh tanks and tankless water heaters, you won’t miss the comforts of home.

Airstream Basecamp

Airstream’s smallest offering is the Basecamp. Though smaller than other Airstreams, it can fit a kayak or any other gear you might want to take onboard. The Basecamp is 16 feet three inches in length and weighs 3,500 pounds.

You can expand the footprint of this SUV-towable RV with side and rear tents. Another option is the Basecamp X option, which makes it even better equipped to go off the asphalt with a three-inch lift kit and other off-road-friendly features.

Airstreams are notorious for being sleek, aesthetically unique, and completely functional. This small trailer design is no exception. Though it differs from the traditional silver bullet look of a full-size airstream, it delivers all the same sleek functionality in the tiniest package possible. A vista bay window isn’t a bad way to wake up each morning. Rugged adventures are calling when you take this stainless steel gem off-road.

Winnebago HIKE 100

The HIKE 100 campers are an exciting offering from Winnebago. They promise feature-packed adventure for campers under 16 feet and 3,300 pounds. Choose from five models that sleep from two to four.  

Lightweight, off-road-ready, and with floorplans that resemble Class B RVs more than travel trailers, the HIKE 100s offer something new to the SUV towable camper scene. They have modular layouts with full-height ceilings to make the most of every inch. 

Owners love the ability to bring along extra gear with a 2-inch receiver and a rack-ready patented exoskeleton to bring along kayaks and other toys. Plus, All HIKE 100 campers come equipped with solar power in the form of a 190-watt solar panel with the option to add a second. 

Keystone Outback OBX

Ready to meet the newest SUV towable travel trailer to hit the scene? Welcome the Keystone Outback OBX, available for the first time in 2024. Choose from two single-axle models that are lightweight, compact, and ready for off-road adventures. 

At under 4,000 pounds and just over 20 feet, the OBX sleeps five to six campers, with bunks included on both models. The 18BHS features a single slide-out for a more spacious dining and living area, a rarity among travel trailers of this size. 

Built for off-road adventures, the OBX includes knobby 14” radial tires and high-performance, water-resistant flooring. It also includes a cargo rack on the bumper, an outdoor shower, and an outdoor kitchen. With a 37-gallon fresh water tank and tankless water heater, you can enjoy hot, convenient showers when venturing off the beaten path, too. 

Forest River r-pod

The Forest River r-pod has been a favorite among RVers looking for a small rig. The r-pod line of campers range in length from 18 feet four inches to 22 feet two inches. The UVW ranges from 2,342 pounds up to 3,578 pounds. CCC ranges from 900 pounds to 1,390 pounds.

An r-pod is ready to take you anywhere, and its compact size is a breeze to fit into national park campsites. The shape is aerodynamic, like a teardrop, so you’ll likely see those MPG gains. Inside you’ll find a fully equipped RV with a kitchen, bath, living space, and queen bed. The functionality of this design leaves no space unused. A small awning creates a cozy outdoor living space that you’ll be using plenty.

Factors to Consider When Choosing an SUV Towable RV

When shopping for a towable RV, you will need to know a few terms. Knowing what these terms mean will help you determine if your current vehicle can tow the specific RV you’re looking at. 

Your SUV’s Towing Capacity

Look in your vehicle’s owner’s manual for its towing capacity. Most SUVs are rated to tow between 1,500 and 5,000 pounds, but each is different. And, of course, there are exceptions. Some SUVs can tow more than 5,000 pounds. Use our handy tow guide to find out your vehicle’s tow capacity with a few clicks. 

Your vehicle’s payload, curb weight, and gross vehicle weight rating are equally as important. Confused already? Learn all the essential weights and numbers with our guide to weight ratings .

In short, curb weight is how much your vehicle weighs without anyone in it. Payload is how much the vehicle can carry. Your GVWR (gross vehicle weight rating) is the dry weight (no items or liquids onboard) of your vehicle and the maximum payload. If you don’t know your vehicle’s payload, find the GVWR and subtract the curb weight from that number.

The RV’s “Dry Weight”

As you look at RVs, you will see terms like “dry weight,” AKA unloaded vehicle weight (UVW), and CCC. An RV’s dry weight is its weight straight out of the factory with no potable water, waste, or anything else in it.

Cargo Carrying Capacity (CCC)

This is the weight your RV will be capable of carrying on board. This is important because you won’t be pulling an empty travel trailer to go camping, you’ll have it packed up. You’ll load up your camper with gear, potable water, accessories, and other supplies. On the way back, you’ll also have liquids in your gray and black tanks (if your RV has these, which most do).Gross Vehicle Weight Rating (GVWR)

Adding an RV’s CCC and dry weight will give you its gross vehicle weight rating (GVWR). This is the number that needs to be within your vehicle’s tow rating. CCC + UVW = GVWR

Gross Combined Weight Rating (GCWR)

There’s also a gross combined weight rating (GCWR). This rating includes your SUV, trailer, passengers, and cargo. 

Just because you pull a camper within your towing capacity doesn’t necessarily mean you’re all set. You also need to stay below the vehicle’s GCWR. If you stay under the GCWR with all of the things discussed above, you’re headed in the right direction. 

Tongue Weight and Your Vehicle’s Payload

Don’t forget to take into account the RV’s tongue weight. Every vehicle will have its hitch rated for a certain weight. Even if you’re within the towing rating and under a GCWR, if you’re over the rating for your vehicle’s hitch you can experience problems. It’s also important to note that the tongue weight of the RV factors into the vehicle’s GVWR. If the tongue weight of the RV puts you over on GVWR, it’s too much trailer for your vehicle. 

If you’re a little confused, it’s okay. You can come back to this weight rating guide at any time for a quick refresher.

Have you ever thought about pulling a used travel trailer with your SUV? Browse our small campers and let us know which one you like.

• Comment (6)

no prices makes this a no go for me. I want to know the prices of each

Each model we listed in this piece has a link to where you can check pricing and availability. But here they are for easy reference!

Forest River NoBo: https://rv.campingworld.com/product/forest-river/no-boundaries TAXA Cricket: https://rv.campingworld.com/product/taxa-outdoors/cricket TAXA Mantis: https://rv.campingworld.com/product/taxa-outdoors/mantis Airstream Basecamp: https://rv.campingworld.com/product/airstream/basecamp Forest River R-Pod: https://rv.campingworld.com/product/forest-river/r-pod Jayco Hummingbird: https://rv.campingworld.com/product/jayco/hummingbird

Hope that helps!

You also forgot the Trailmarker trailer. Plenty of room and VERY lite. Made of all aluminum they even have a smaller off road specific model.

I have 1997 Chevy Silverado with camper top

You forgot DROPLET teardrop trailers. Those super cute lightweight campers are under 1000lbs and can be towed by a VW Golf!!

I wish there was a nationwide list where you type in your vehicle model and it displays all the RV’S you can tow. (Showing ALL manufactures.)

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7 Best RV Insurance Companies of 2024

Money’s main takeaways.

• RV insurance is essential for both full-time RV living and occasional trips.
• Premiums are based on factors like your driving record and RV type, age and condition.
• Our top picks include Good Sam, National General and Auto-Owners Insurance.

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

• Reviewed 15+ companies
• Conducted over 1,000 hours of research
• Prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

• Good Sam – Best RV Insurance Agency
• RVInsurance.com – Runner-Up for Best RV Insurance Agency
• Nationwide – Best for Multiple Discounts
• National General – Best for Full Replacement Cost Coverage
• Progressive – Best for Disappearing Deductibles
• Roamly – Best for Renting Out Your RV
• Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

• Offers full-timer coverage
• Manage your policy online without agent contact
• Discounts on campsites, gear stores, fuel, and more
• Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

• Specialists can help you find a policy
• Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

See rates on RVInsurance.com’s Secure Website >>

• Free annual reviews to reevaluate coverage and discounts
• Optional towing coverage includes lodging, transportation and meals
• Various policies available for easy bundling and savings
• Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

• Coverage for specialized equipment like solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV after a total loss
• Low mileage discount
• Eligibility, benefits, coverage and discounts vary per state
• Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

• Accident forgiveness for claims under $500
• Horse trailer coverage up to $50k
• Pet injury coverage available
• Add-on coverage available for roof malfunction
• Standard plan excludes personal property and emergency expenses
• Rates differ based on whether you buy online or through an agent
• Discounts aren't available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

See rates on Progressive’s Secure Website >>

• Specializes in RV insurance
• Coverage even when renting out your RV
• Policies for full-time RVers are available
• Covers Canada rentals
• Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with safety features
• Towing and roadside assistance in all 50 states and Canada
• Mobile app for Apple and Android
• No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

• Covers motorhomes, travel trailers and campers
• Includes roadside assistance, hotel discounts and more
• Coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions
• RV policy not available nationwide
• Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

• Discount if you transfer from another insurance company
• Discounts for drivers 55 years or older
• Gas price locator to help you find the cheapest gas
• Limited information on company website
• Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

• Total windshield replacement deductible is only $50
• Personal effects replacement limits up to $100,000
• Free accident forgiveness after 5+ years
• Offers limited information on its website
• Enhanced RV coverage unavailable in HI, MA, MI and NC
• Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

• Loan or lease protection coverage available
• Deductibles diminish by $100 per year up to $500
• Insures motorhomes valued at up to $1 million
• Coverage available for custom equipment
• Only covers vehicles used 250 days or less per year
• Limited information available on website
• No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

• Coverage for emergency expenses if camper is damaged or destroyed
• Pays for transportation of damaged RV to storage, repair shop or home
• Full-timer coverage for trailers, motor homes, luxury coaches and more
• Special policies for USAA members
• Not available in DC or Hawaii
• Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

• Offers storage-only insurance during the off-season
• Policy extends to travel anywhere in Canada
• Insures equipment permanently attached to your RV
• No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website . This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Multi-vehicle, safe driver and original ownership discounts
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

• Multi-policy discount
• Mobile app for Apple and Android devices
• Only available through agents
• Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

• Options for RV full-timers
• 25% deductible discount for each consecutive claim-free year
• Windshield replacement coverage
• Coverage for commercial RVs
• Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

• Lifetime guarantee for repairs done in authorized repair shops
• 24/7 claims submission
• RV replacement if it's totaled in the first 15 months
• Only available to AARP members
• Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need.

• What does RV insurance not cover?
• How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

The following factors influence the cost of an RV insurance policy:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
• Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
• Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
• Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
• Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Recreational vehicles fall into four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, drivable units with living quarters and appliances. Towable RVs, also called campers or trailers, may also have amenities, but some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious, measuring 24 to 45 feet long and fitting as many as 12 passengers. However, their size can make driving tricky and limit their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest (17 to 19 feet long) and least expensive type. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes measure 21 to 41 feet long and are easily recognized by their over-cab sleeping or storage area. Compared to larger units, they have better gas mileage and maneuverability and are ideal for full-time living. Class C motorhomes can accommodate up to eight passengers and include a kitchen, dining area, bathroom and sleeping quarters.

Towable RVs

Towable RVs can be hitched to SUVs, pickup trucks or any capable vehicle. This category encompasses fifth wheels, toy haulers, travel trailers, and pop-up and truck campers, typically ranging from 10 to 30 feet. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be vehicles and primary residences, insuring them requires special considerations. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the towing vehicle may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability, not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

• Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.
• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.
• Earthquake coverage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Determine the coverage you need

Your car insurance policy may extend to towable campers or trailers, but not motorhomes. And while auto insurance may cover you against liability and damages to the RV, it generally doesn’t cover belongings or appliances inside the vehicle. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

Another option is umbrella insurance for your RV, which covers liability claims exceeding your primary auto, home or RV policy limits. However, coverage only kicks in if your RV is covered by an underlying policy that meets the umbrella policy’s liability requirements.

Take time to shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

Consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies . Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV
• Having a favorable record of insurance losses
• Staying accident-free for at least three years
• Taking safety courses
• Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver, and coverage for personal accidents or personal effects.

You can purchase a policy through the rental company or your insurer. However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

Note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

• Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction: We favored companies with above-average scores in J.D. Power’s U.S. Auto Insurance Study.
• Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
• Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

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