Introduction
When I bought my first RV—a modest Class C that quickly became my weekend sanctuary—I had no idea how different RV insurance would be from my regular auto policy. That first year taught me some expensive lessons about coverage gaps that I could have avoided with the right insurance knowledge. Whether you’re a weekend warrior, a seasonal traveler, or a full-time RVer, understanding the ins and outs of specialized RV insurance from providers like National General can save you from significant financial headaches down the road.
National General has established itself as one of America’s leading RV insurance providers, offering specialized coverage designed specifically for recreational vehicles. Their policies address the unique dual nature of RVs—part vehicle, part home—with protection plans that go far beyond what standard auto policies offer.
In this comprehensive guide, I’ll walk you through everything you need to know about National General RV insurance, from basic coverage options to specialized protections, cost factors, discounts, and the claims process. By the end, you’ll have all the information you need to make an informed decision about protecting your home on wheels.
Understanding RV Classes and Why They Matter for Insurance
Before diving into specific insurance options, it’s important to understand how RVs are classified, as this directly impacts insurance requirements and costs with National General:
Class A Motorhomes
These are the largest, most luxurious motorized RVs—essentially commercial bus conversions or purpose-built luxury vehicles. They range from 21 to 45 feet in length and can cost anywhere from $50,000 to over $1 million. Due to their size and value, these typically require the most comprehensive insurance coverage.
Class B Motorhomes
Often called camper vans, these are the smallest motorized RVs built on a van chassis. They’re more manageable to drive but still offer living amenities. Their lower replacement value compared to Class A motorhomes usually translates to lower insurance premiums.
Class C Motorhomes
These mid-sized RVs are built on a truck or van chassis with an attached cab section and an overhanging section that typically contains a bed. They’re less expensive than Class A RVs but more spacious than Class B models.
Travel Trailers
These non-motorized RVs range from small teardrop trailers to large fifth wheels that require a special hitch mounted in a pickup truck bed. Insurance for these is typically less expensive than for motorized RVs since there’s no driving component involved.
Specialty RVs
This category includes toy haulers (RVs with garage space for ATVs, motorcycles, etc.), pop-up campers, truck campers, and other unique designs. National General offers specialized coverage options for these distinct RV types.
According to data from the RV Industry Association, each category has seen significant growth in recent years, with particular expansion in the lightweight towable segment that appeals to younger, first-time RV owners.
Why Standard Auto Insurance Isn’t Enough for RVs
When I first purchased my RV, I mistakenly thought my regular auto insurance would provide adequate coverage. This misconception is common among new RV owners, but the reality is that standard auto policies fail to address several critical aspects of RV ownership:
- Personal belongings coverage: Unlike regular vehicles, RVs often contain significant personal property—from kitchenware and bedding to electronics and outdoor gear. According to Insurance Information Institute, the average RV contains between $5,000-$15,000 worth of personal items.
- Living expense coverage: If your RV becomes uninhabitable due to a covered loss while you’re traveling, you’ll need accommodation alternatives.
- Specialized components: RVs contain systems not found in regular vehicles—plumbing, propane, electrical systems, slide-outs, awnings, and more.
- Higher liability exposure: The size and weight of many RVs create greater potential for damage in accidents.
- Full-timer considerations: Those who live in their RVs full-time essentially need a hybrid of auto and homeowners insurance protections.
National General recognizes these unique needs and has developed specific coverage options to address them.
Core Coverage Options from National General RV Insurance
National General offers a range of fundamental coverage options for RV owners:
Liability Coverage
This essential coverage protects you financially if you’re responsible for injuries to others or damage to their property while operating your RV. In most states, liability insurance is mandatory, though required minimums vary.
National General typically offers:
- Bodily injury liability coverage up to $500,000 per person/$500,000 per accident
- Property damage liability up to $300,000
I always recommend carrying higher liability limits than your state’s minimum requirements, especially for larger Class A or Class C motorhomes that can cause significant damage in accidents.
Collision Coverage
Collision insurance covers repair or replacement costs for your RV if it’s damaged in an accident with another vehicle or object, regardless of fault. Given the high value of many RVs, this coverage is particularly important.
National General offers collision coverage with various deductible options, typically ranging from $500 to $2,500. As with most insurance, choosing a higher deductible will lower your premium but increase your out-of-pocket costs if you file a claim.
Comprehensive Coverage
Also known as “other than collision,” comprehensive coverage protects against damages not caused by a collision. This includes:
- Theft
- Vandalism
- Fire
- Weather events (hail, flooding, wind)
- Falling objects
- Animal collisions
For RVs that are often parked in remote areas or stored for extended periods, comprehensive coverage is especially valuable. According to FEMA data, weather-related incidents are among the most common causes of RV damage.
Uninsured/Underinsured Motorist Coverage
This protection comes into play if you’re in an accident caused by a driver who either has no insurance or insufficient coverage to pay for your damages and injuries. Given the high repair costs for RVs, this coverage can be crucial.
National General offers this coverage with limits that typically match your liability limits. In some states, this coverage is mandatory.
Medical Payments Coverage
Med Pay covers medical expenses for you and your passengers following an accident, regardless of who was at fault. This coverage is particularly important for RV travelers who may be far from their regular healthcare providers.
Specialized RV Coverage Options from National General
Beyond the standard coverages, National General offers several specialized options designed specifically for the unique aspects of RV ownership:
Personal Effects Coverage
Standard auto policies don’t cover personal belongings in your vehicle, but RVs often contain thousands of dollars worth of personal items. National General’s personal effects coverage protects these belongings against theft, damage, or loss.
Coverage typically starts at $3,000 and can be increased based on your needs. I’ve found that most RVers significantly underestimate the value of the items they keep in their vehicles—from kitchenware and electronics to clothing and outdoor equipment. A detailed inventory can help ensure you have adequate coverage.
Full-Timer’s Coverage
If you live in your RV full-time (typically defined as more than 6 months per year), you’ll need more comprehensive coverage similar to a homeowner’s policy. National General’s full-timer’s package includes:
- Personal liability coverage
- Medical payments to others
- Additional living expenses if your RV becomes uninhabitable
- Broader personal effects coverage
According to the RV Industry Association, approximately 1 million Americans live in their RVs full-time, making this specialized coverage increasingly important.
Vacation Liability Coverage
For those who use their RVs recreationally, vacation liability provides protection if someone is injured in or around your parked RV while you’re using it for vacation purposes. This coverage typically provides $10,000 in protection, with options to increase to $500,000.
Emergency Expense Coverage
One of the most valuable specialized coverages, emergency expense protection helps cover costs like hotels, meals, and transportation if your RV becomes uninhabitable due to a covered loss while you’re traveling away from home.
National General typically offers up to $100 per day (maximum $3,000) for these expenses—a lifesaver when you’re stranded far from home with no place to stay.
Replacement Cost Coverage
For newer RVs (typically less than 5 years old), National General offers replacement cost coverage, which pays to replace your RV with a new, similar model if it’s totaled, without factoring in depreciation.
For older RVs, they offer “Agreed Value” coverage, where you and the insurer agree on the value of your RV upfront, and that’s the amount paid in the event of a total loss.
Specialized Equipment Coverage
This protects permanently installed accessories and equipment not included in your RV’s factory original equipment, such as:
- Satellite dishes
- Awnings
- Custom furnishings
- Solar panels
- Aftermarket electronics
Coverage limits typically start at $2,000 and can be increased based on your specific equipment.
Roadside Assistance
National General’s roadside assistance program for RVs goes beyond standard auto programs, offering:
- 24/7 emergency service
- Towing to the nearest qualified repair facility
- Flat tire changes
- Battery jump-starts
- Fuel delivery
- Lockout service
Given the larger size and specialized nature of RVs, having RV-specific roadside assistance is crucial. Regular auto roadside programs often can’t handle large motorhomes or may not cover trailers.
Understanding Premium Factors for National General RV Insurance
Several factors affect your RV insurance premiums with National General:
RV Type and Value
Not surprisingly, more expensive RVs cost more to insure. A luxury Class A motorhome worth $300,000 will have significantly higher premiums than a $15,000 travel trailer. Motorized RVs (Classes A, B, and C) typically cost more to insure than towable RVs since they include driving coverage.
Usage Class
How you use your RV dramatically impacts your premium:
- Recreational/Vacation Use: For occasional travelers who use their RV for vacations and weekend getaways, this is the most affordable category.
- Seasonal Use: For those who live in their RV for extended periods (typically 3-6 months annually).
- Full-Time Use: For those who live in their RV as their primary residence (more than 6 months annually). This typically results in the highest premiums since the risk exposure is greater.
According to Progressive Insurance data, full-timer policies can cost 20-40% more than recreational-use policies due to the increased liability and personal property exposure.
Driving History and Experience
As with auto insurance, your driving record significantly impacts your RV insurance rates. Tickets, accidents, and claims within the past 3-5 years can substantially increase your premiums.
Some insurers also consider your experience operating an RV. National General may offer discounts for completing RV driving or safety courses, which can help offset higher rates for new RV owners.
Geographic Location and Storage
Where you live and travel affects your premium. Areas with higher rates of theft, vandalism, or natural disasters typically have higher insurance costs.
How and where you store your RV when not in use also matters. RVs kept in secure indoor storage facilities may qualify for lower rates than those parked on the street or in driveways.
Coverage Limits and Deductibles
Higher coverage limits increase your premium, while higher deductibles lower it. Finding the right balance for your situation is key.
National General RV Insurance Discounts
National General offers several opportunities to reduce your premium:
Multi-Policy Discounts
Bundling your RV insurance with other National General policies (auto, home, etc.) can save you up to 20% on your premiums.
Paid-in-Full Discount
Paying your annual premium in one lump sum rather than monthly installments can save you money.
Safe Driver Discounts
Clean driving records are rewarded with lower premiums. National General typically looks at the past 3-5 years of your driving history.
Multi-Vehicle Discounts
Insuring multiple RVs or combining RV and auto policies can result in significant savings.
Storage Discounts
If you store your RV for extended periods (typically winter months in northern states), you may qualify for a storage discount during those periods when the RV isn’t being used.
Association Memberships
Members of certain RV associations like Good Sam Club or FMCA may qualify for additional discounts. According to the Good Sam Club, members can save up to 10% on RV insurance policies.
Safety Features Discounts
RVs equipped with safety features like anti-theft devices, anti-lock brakes, or electronic stability control may qualify for additional discounts.
The Claims Process with National General
Understanding the claims process before you need it can save considerable stress if you ever experience a loss. Here’s how National General’s claims process typically works:
Initiating a Claim
National General offers multiple ways to file a claim:
- 24/7 phone claims reporting
- Online claims portal
- Mobile app claims filing
You’ll need to provide basic information about the incident, including:
- Your policy number
- Date, time, and location of the incident
- Brief description of what happened
- Photos of the damage (if possible)
- Police report information (if applicable)
Claims Evaluation
After filing, a claims adjuster will be assigned to your case. For RV claims, National General typically uses adjusters with specialized RV knowledge who understand the unique components and systems in recreational vehicles.
The adjuster will:
- Inspect the damage (either in person or through submitted photos)
- Review any police reports
- Interview witnesses if necessary
- Determine if the damage is covered under your policy
- Provide an estimate for repairs
Repair Options
National General works with a network of RV repair facilities but also allows you to choose your preferred repair shop. For specialized RVs, using a repair facility with specific experience with your RV type is often advisable.
Catastrophic Damage and Total Loss
In cases where repair costs exceed a certain percentage of your RV’s value (typically 75-80%), National General may declare it a total loss. How this is handled depends on your coverage:
- With replacement cost coverage, you’ll receive enough to purchase a similar new RV
- With actual cash value coverage, you’ll receive the depreciated value of your RV
- With agreed value coverage, you’ll receive the predetermined amount agreed upon when you purchased the policy
Special Considerations for Full-Time RVers
The approximately 1 million Americans who live in their RVs full-time have unique insurance needs that National General addresses through specialized coverage options:
Liability Beyond Auto Accidents
Full-timers need liability protection similar to homeowners insurance since their RV is their residence. This extends coverage to incidents like someone slipping and falling inside or outside your parked RV.
Personal Property Coverage
Full-timers typically keep more belongings in their RV than recreational users, necessitating higher personal effects coverage limits.
Mail and Package Service Protection
National General offers options to protect against identity theft and mail fraud—important considerations for full-timers who often use mail forwarding services.
Extended State Coverage
Full-timers travel across multiple states, and insurance requirements vary by location. National General’s full-timer policies are designed to adjust coverage as you travel, ensuring you meet local requirements wherever you go.
According to Escapees RV Club, one of the largest full-timer RV organizations, insurance is one of the top concerns for those transitioning to full-time RV living.
Seasonal RV Insurance Considerations
For those who use their RVs seasonally, National General offers some specific options to manage costs while maintaining appropriate coverage:
Storage Policies
During periods when your RV isn’t being used (typically winter months), you can switch to a storage policy that maintains comprehensive coverage (protecting against theft, vandalism, weather damage, etc.) while suspending collision and liability coverage.
This can significantly reduce premiums during off-seasons. According to insurance experts, storage policies can save 40-60% during storage periods compared to full coverage.
Reactivation Process
When you’re ready to use your RV again, National General has a straightforward reactivation process that can usually be completed with a simple phone call or online request.
Comparing National General to Other RV Insurance Providers
While National General is a respected RV insurance provider, it’s worth comparing their offerings with other major insurers in the space:
Progressive RV Insurance
Progressive is one of the largest RV insurers in the US, offering similar coverages to National General. They may be more competitive for certain RV types and usage patterns, particularly for part-time RVers.
According to J.D. Power customer satisfaction surveys, both companies receive above-average ratings for claims handling.
Good Sam RV Insurance
Administered by National General, Good Sam-branded insurance offers similar coverage with additional discounts for Good Sam Club members. The policies are essentially National General policies with some club-specific benefits.
Foremost RV Insurance
Owned by Farmers Insurance Group, Foremost specializes in mobile homes and RVs. They offer particularly strong options for older RVs and full-timers.
Auto-Owners Insurance
This regional insurer offers comprehensive RV coverage in the 26 states where they operate, with particularly strong customer service ratings.
When comparing providers, consider:
- Coverage options specific to your RV class and usage
- Available discounts
- Claims satisfaction ratings
- Customer service reviews
- Financial stability ratings from organizations like A.M. Best
Technology and RV Insurance: National General’s Digital Tools
National General has invested in technology to improve the customer experience:
Mobile App Capabilities
Their mobile app allows policyholders to:
- Access policy documents
- Pay bills
- File and track claims
- Request roadside assistance with GPS location sharing
- Store digital copies of registration and insurance cards
Online Policy Management
Through their online portal, customers can:
- Make coverage changes
- Add or remove vehicles
- Update personal information
- Review and adjust coverage limits
- Get instant quotes for coverage modifications
Telematics Options
For motorized RVs, National General offers optional telematics programs that track driving habits and may provide discounts for safe driving behaviors.
Tips for Managing Your National General RV Insurance Costs
Based on my experience and research, here are some effective strategies for keeping your RV insurance affordable without sacrificing important coverage:
Annual Coverage Review
RV values depreciate differently than regular vehicles, and your usage patterns may change over time. An annual review of your policy ensures you’re not over-insuring a depreciated asset or under-insuring new equipment you’ve added.
Deductible Adjustments
Increasing your deductible can significantly lower your premium. Consider what you could comfortably pay out-of-pocket in the event of a claim.
Usage Classification Updates
If you’ve transitioned from full-time to part-time RV use (or vice versa), updating your usage classification can have a major impact on your premium.
Security and Safety Improvements
Installing security devices like alarm systems, GPS trackers, or additional locking mechanisms can qualify you for discounts while providing peace of mind.
Winter Storage Considerations
If you store your RV during winter months, notify National General to potentially adjust your coverage and reduce your premium during that period.
Driver Training Courses
Completing RV-specific driving courses can not only make you safer on the road but may also qualify you for discounts with National General.
According to RV Education 101, one of the leading RV training organizations, drivers who complete formal training courses have significantly fewer accidents and claims.
Common Questions About National General RV Insurance
Is RV Insurance Required by Law?
For motorized RVs (Classes A, B, and C), most states require at least minimum liability insurance, just like for regular vehicles. For towable RVs like travel trailers, insurance is typically not legally required since they’re covered under your auto policy’s liability while being towed.
However, if you finance your RV, your lender will almost certainly require comprehensive and collision coverage until the loan is paid off.
How Much Does National General RV Insurance Cost?
This varies widely based on all the factors discussed earlier, but according to industry data:
- Travel trailer insurance: $250-$500 annually for recreational use
- Class C motorhome: $800-$1,500 annually for recreational use
- Class A motorhome: $1,000-$4,000+ annually, depending on value and usage
Full-time coverage typically adds 20-50% to these base rates.
Does National General Cover RVs in Mexico?
Standard National General policies typically don’t extend to Mexico. However, they offer special Mexico insurance endorsements or can recommend third-party Mexican insurance providers for those planning to travel south of the border.
Can I Get National General RV Insurance for an Older RV?
Yes, National General insures older RVs, though the coverage options may differ from those available for newer models. For RVs over 15-20 years old, actual cash value policies are most common, though agreed value coverage may be available based on condition and appraisals.
How Are Claims Handled for Specialized RV Components?
National General uses adjusters familiar with RV systems and components. For specialized items like slide-outs, awnings, or leveling systems, they typically work with RV-specific repair facilities that have the expertise to properly assess and fix these components.
Legal and Regulatory Considerations for RV Insurance
RV insurance exists within a complex framework of state and federal regulations that affect coverage requirements and options:
State Minimum Requirements
Each state sets its own minimum liability requirements for motorized RVs. These can vary significantly—from as low as $15,000 per person/$30,000 per accident in some states to $50,000/$100,000 in others.
National General automatically adjusts your policy to meet the minimum requirements of whatever state you’re traveling through, providing peace of mind for cross-country travelers.
Length of Stay Considerations
Some states have regulations regarding how long you can stay before being considered a resident, which could affect your insurance needs. National General’s full-timer policies account for these variations.
Financial Responsibility Laws
In addition to insurance requirements, many states have financial responsibility laws that could impact RV owners after accidents. National General’s higher liability limits help ensure compliance with these regulations.
The Future of RV Insurance: Trends to Watch
The RV industry and its insurance products continue to evolve. Here are some trends affecting National General and other RV insurers:
Growing Full-Timer Market
With remote work becoming more common, the number of full-time RVers is increasing, leading to expanded full-timer coverage options.
Technology Integration
Smart RV systems that monitor everything from tire pressure to propane levels are becoming more common and may eventually lead to insurance discounts for RVs equipped with these safety features.
Sharing Economy Considerations
As RV sharing platforms like Outdoorsy and RVshare grow in popularity, insurers like National General are developing policies that address peer-to-peer rentals.
Environmental Factors
With increasing natural disasters affecting many popular RV destinations, insurance companies are adjusting their risk models and coverage options for weather-related incidents.
Making Your Final Decision on National General RV Insurance
When evaluating National General for your RV insurance needs, consider these final points:
Coverage Completeness
Ensure the policy covers all aspects of your specific RV usage, from personal belongings to specialized equipment.
Claims Reputation
Research National General’s claims handling reputation through resources like J.D. Power surveys and the National Association of Insurance Commissioners’ complaint index.
Financial Stability
Check National General’s financial strength ratings from agencies like A.M. Best, which rates their ability to pay claims even in widespread disaster scenarios.
Customer Service Access
Consider how and when you can reach customer service—especially important for full-timers who may need assistance while traveling in different time zones.
Policy Flexibility
Evaluate how easily you can adjust coverage as your needs change, particularly if you anticipate changes in how you use your RV.
Final Thoughts
Choosing the right RV insurance is about balancing cost with appropriate protection for your specific situation. National General offers a comprehensive range of coverage options suitable for most RV owners, from weekend warriors to full-time road warriors.
The peace of mind that comes with knowing you’re properly protected allows you to focus on what matters most—enjoying the freedom and adventure that RV travel provides. Whether you’re planning your first RV trip or you’re a seasoned traveler looking to optimize your coverage, taking the time to understand your insurance options is one of the most important preparations you can make.
Remember that your insurance needs will evolve along with your RV lifestyle. Regular policy reviews—especially after major life changes or changes in how you use your RV—are essential to maintaining appropriate coverage at the best possible rate.
Frequently Asked Questions
Does National General offer any unique RV insurance features compared to other providers?
National General distinguishes itself with several unique features, including specialized full-timer coverage options, permanent attachments coverage that protects modifications and additions to your RV, and their “Storage Option” that allows you to reduce coverage and costs during periods when your RV isn’t being used.
How does National General handle claims for RVs that break down far from home?
National General’s emergency expense coverage can provide reimbursement for lodging, meals, and transportation if your RV becomes uninhabitable due to a covered claim while you’re traveling. Additionally, their optional roadside assistance program provides 24/7 help including specialized RV towing to the nearest qualified repair facility.
Can I insure a vintage or classic RV with National General?
Yes, National General offers coverage for vintage and classic RVs. For these vehicles, they typically offer agreed value coverage, where you and the insurance company agree on the RV’s value upfront, ensuring you receive that amount in the event of a total loss, rather than a depreciated value.
How does financing an RV affect my insurance requirements with National General?
When you finance an RV, your lender typically requires comprehensive and collision coverage until the loan is paid off, regardless of the RV’s age or value. National General works with all major RV lenders and can provide insurance certificates that meet lender requirements.
Does National General offer any coverage for RV rental reimbursement if my RV needs extensive repairs?
Yes, National General offers optional rental reimbursement coverage that helps cover the cost of renting a substitute RV if yours is being repaired due to a covered claim. This can be particularly valuable for full-timers or those in the middle of a planned vacation.
How does National General handle coverage for RVs used partially for business purposes?
National General offers limited business use coverage for RVs used occasionally for business purposes, such as attending trade shows or as a mobile office. However, RVs used primarily for commercial purposes (such as food trucks or mobile businesses) typically require commercial vehicle insurance rather than standard RV policies.
Are solar panels, satellite systems, and other aftermarket additions covered by National General’s standard policy?
National General offers optional specialized equipment coverage that protects permanently installed accessories not included in the factory original equipment, including solar panels, satellite dishes, custom awnings, and aftermarket electronics. Coverage limits can be adjusted based on the value of your equipment.
Does National General offer any coverage for pet injuries that occur while traveling in my RV?
Yes, National General offers pet injury coverage as part of their comprehensive RV insurance packages. This coverage typically helps with veterinary expenses if your pet is injured in an accident involving your insured RV.
How does National General determine the value of my RV for insurance purposes?
For newer RVs, National General typically uses the manufacturer’s suggested retail price (MSRP) or purchase price as a starting point, then applies depreciation based on age and condition. For older or modified RVs, they may request detailed information, photos, or even professional appraisals to establish an accurate value.
Can I maintain National General RV insurance if I travel into Canada?
Yes, National General’s RV insurance policies typically extend coverage into Canada without additional endorsements or fees. However, it’s advisable to carry a Canadian Non-Resident Insurance Card, which National General can provide upon request.
Meta Description: Comprehensive guide to National General RV insurance: coverage options, discounts, claims process, and tips for protecting your motorhome or travel trailer in the USA.
