RV Insurance Coverages

See what’s covered under an RV or motor home policy from Foremost.

Towing and Roadside Assistance

This coverage eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away. There may be no out-of-pocket payments required, either. Just sign and drive. What's more, coverage for your RV and your tow vehicle is included (if towing the trailer at the time), regardless of who is driving or where you are in the US or Canada.

Optional Total Loss Settlement

This option can save you literally thousands of dollars when compared to typical auto policies, which usually pay only the actual cash value for damages to your RV. Optional Total Loss Settlement may provide for a new unit of like kind and quality from the same manufacturer in the event of a total loss.

Vacation Liability Coverage

This provides liability coverage on your site, as defined by the policy, when you are parked and using your RV as a dwelling or for recreational purposes. We also offer a Comprehensive Liability Coverage option that provides coverage similar to a homeowners liability policy.

Personal Property Replacement Cost Coverage

A typical auto or homeowners policy may not provide replacement cost coverage for your personal belongings that are damaged, destroyed or stolen, but an RV policy from Foremost can.

Emergency Expenses Coverage

Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.

Other than Collision

This is included with our travel trailer insurance policies (optional on motor home), but usually isn’t included in your typical auto policy.

Other than Collision coverage applies to direct, abrupt, and accidental loss, including: fire, explosion, flood, falling objects, hail, windstorm, collisions with birds or animals, mischief or vandalism, theft and earthquake. Other than collision also provides coverage for permanently attached structures or equipment, including awnings, satellite dishes, TV antennas and more.

RV Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:


Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West®.

Air Bag

Receive a discount when your motor home is equipped with a factory-installed airbag system.

Anti-Lock Brakes

Receive a discount when your motor home is equipped with a factory-installed Anti-Lock Braking System (ABS).


Here are just a few of the ways you can save money by choosing Foremost:

The cost of insurance depends on several factors, including the type of RV or trailer, how you plan to use it, and the experience of the driver. It’s no surprise that a brand new, luxury motorcoach may cost more to insure than a camper van. But with optional limits and coverages, you should be able to find a policy that works for your budget.
Full-timers will need to buy additional liability coverage, similar to what you would find in a homeowners policy. Foremost offers full-timer coverage for travel trailers, motor homes, luxury motorcoaches, and more. With RV coverage from Foremost, your insurance goes where you go.
The digital nomad era is showing many of us that life on the road can bring the same luxuries we once thought were limited to our homes. Be sure to communicate all your customizations to your agent to determine eligibility as you select the coverages you want if you have a loss.

Start the journey to A Better Insurance Experience® today with an RV Insurance Quote