We recently posed a question to our community of road warriors and home-on-wheels enthusiasts, delving into the often-confusing but absolutely vital world of RV insurance.
We asked our newsletter readers, “What type of RV insurance do you have?” to get a pulse on how our community protects their rolling castles from life’s unexpected potholes.
This topic might not be as glamorous as debating the best solar panels or the perfect campfire dessert, but it’s arguably more important, as it protects your entire mobile investment. We want to extend a huge thank you to everyone who clicked and voted in our recent newsletter poll—your contributions are what make this community so insightful.
For those who haven’t subscribed yet, this is your regular reminder to do so, because we run these polls all the time and your vote is crucial to shaping the results and findings we all get to discuss. Now, let’s dive into the fascinating, and slightly hilarious, data we collected on how we all sleep at night, insurance-wise.
The Poll Results: A Tale of the Prepared, the Unfazed, and the “Huh?”
Without further ado, here’s how the votes stacked up. Remember, these aren’t judgment percentages; they’re a window into our collective RVing soul.
| Insurance Type | Percentage of Votes |
|---|---|
| Comprehensive | 65% |
| Liability Only | 0% |
| Full-timer’s Insurance | 31% |
| Not Sure | 4% |
The Comprehensive Crew: Rolling Fortresses of Paranoia (We Mean, Preparedness!)
A commanding 65% of you are members of the “Comprehensive Crew,” and we salute you! You’ve seen the videos of runaway picnic tables during a windstorm, you’ve mentally calculated the cost of replacing every single thing after a theoretical hailstorm the size of golf balls, and you are not taking any chances.
Your policy probably has more clauses than a Shakespearean play, covering everything from a fender-bender to an act of a vengeful squirrel gnawing through your brake lines. You don’t just have a spare tire; you have a spare policy for your spare tire. You can sleep soundly, knowing that if a meteorite were to strike your rig, you’re probably covered for “interplanetary body impact,” albeit with a deductible.
The Full-Timers: This Isn’t a Vacation, It’s an Address!
Coming in at a robust 31%, we have the “Full-Timer’s” faction. You didn’t just buy an RV; you sold your stationary house and embraced the open road as your literal mailing address.
Your insurance isn’t just for the vehicle; it’s a hybrid superhero that combines auto and homeowner’s policies into one magnificent, all-powerful shield. It covers your chassis and your china cabinet.
You understand that your risk profile isn’t “weekend warrior” but “moving target for life’s complexities,” and you’ve insured accordingly.
You’re not just prepared for a crash; you’re prepared for a slip-and-fall in your own living room, which just happens to be parked at the Grand Canyon.
The “Not Sure” Squad: Living on a Prayer (and a Wing)
We see you, brave 4%, members of the “Not Sure” squad. Your approach to insurance is a magnificent blend of optimism and forgetfulness. You’re pretty sure you have that little card in the glove box somewhere between the 2017 map of Nebraska and a ketchup packet.
You operate on the belief that good vibes and careful driving are the best coverage money can’t buy. We admire your fearless spirit and your unwavering faith that the universe would never dare scratch the paint job on your beloved coach. We gently suggest that perhaps, before your next trip, you might want to find that packet and check. Just for funsies.
The Ghost of Liability Past: A Big, Fat Zero
And then there’s the most astonishing result of all: a perfect, beautiful 0% for “Liability Only.” Not a single soul admitted to this! This is the RV equivalent of admitting you only wear a raincoat but no pants in a hurricane. It seems our community collectively understands that insuring a multi-ton, house-like vehicle with the same policy you’d get for a 1998 Honda Civic is a… let’s call it a “bold strategy.”
This goose egg speaks volumes about the intelligence of this group. We either have no reckless members, or the reckless members were too afraid to admit it. We’re choosing to believe the former.
Conclusion: Why the Results Make Perfect Sense for RVers
We believe these results paint a very clear picture of the RV community’s mindset. The overwhelming majority opting for Comprehensive coverage shows that RV owners view their vehicles not just as cars, but as significant financial and emotional investments worth protecting from every conceivable angle.
The strong showing for Full-timer’s insurance accurately reflects the growing demographic of people who live in their RVs year-round, requiring a more robust solution that mirrors traditional homeowners’ insurance.
The absolute zero for Liability-only coverage is the most telling data point. It underscores a universal truth in the RV world: these are complex, expensive machines.
The potential cost of even a minor at-fault accident— involving not just vehicle damage but also possible lodging for the other party if their home is now undrivable—makes a liability-only policy an unthinkable gamble.
Finally, the small “Not Sure” group is a gentle reminder that the administrative side of RVing can be daunting for newcomers, and it’s a great opportunity for us as a community to share knowledge and help everyone get properly covered, so we can all enjoy the road with peace of mind.
