What Allstate RV Insurance Covers
Allstate offers RV insurance as a standalone policy or as an add-on to an existing homeowners or auto policy. The coverage typically includes damage to the RV itself (collision and comprehensive), liability protection if you injure someone or damage their property while towing or driving, and medical payments coverage for injuries inside the RV. Allstate also offers roadside information, which covers towing and lockout services.
The exact coverage options depend on the type of RV you own. Motorhomes (Class A, B, and C) are insured differently than travel trailers or fifth wheels, because motorhomes are self-propelled and trailers are towed. Allstate structures policies around this distinction, so the quote you receive will reflect what you're actually insuring.
One feature specific to RV policies is full-timer coverage, which is available if you live in your RV year-round. Standard homeowners policies exclude people who live in RVs, so this option matters if that describes your situation. Allstate also offers coverage for attached equipment like awnings, generators, and satellite dishes, though these are usually subject to separate limits and deductibles.
Key Takeaways
- Allstate RV policies cover collision, comprehensive damage, liability, and medical payments, with options for full-timer coverage if you live in your RV permanently.
- Motorhomes and trailers are quoted and structured differently because motorhomes are self-propelled and trailers are towed behind another vehicle.
- You can add RV coverage to an existing Allstate auto or homeowners policy, or purchase a standalone RV policy.
- Attached equipment like generators and awnings can be covered but usually have separate limits and deductibles from the main RV coverage.
- Roadside information is available and covers towing, lockouts, and other roadside emergencies specific to RVs.
How Motorhomes and Trailers Are Insured Differently
Motorhomes are insured like vehicles because they have their own engine and can be driven independently. Allstate treats them similarly to auto insurance, with collision coverage (damage from accidents), comprehensive coverage (theft, weather, vandalism), and liability coverage (damage you cause to others). The policy also covers the living space inside, which is where RV insurance diverges from standard auto insurance.
Travel trailers and fifth wheels are towed, so they cannot be insured as vehicles. Instead, Allstate insures them as property, much like a homeowners policy. This means the coverage focuses on damage to the structure and contents rather than collision with another vehicle. However, if your trailer is damaged while being towed—say, in a highway accident—the towing vehicle's auto insurance typically covers that, not the trailer policy. This is why understanding which policy covers what matters before you file a claim.
If you own both a motorhome and a towed trailer, you will need two separate policies: one for the motorhome and one for the trailer. Some people bundle these with their auto and homeowners policies to get a multi-policy discount, which Allstate offers.
Deductibles and How They Work in RV Claims
An RV policy deductible is the amount you pay out of pocket before insurance covers the rest of the damage. Allstate typically offers deductible options of $250, $500, $1,000, or higher. A higher deductible lowers your monthly premium, but it means you pay more if you file a claim. The deductible applies separately to collision, comprehensive, and other coverage types, so you might pay one deductible for a theft claim and a different one for weather damage.
RV claims often involve multiple types of damage. If your motorhome is hit by another vehicle and also damaged by the collision, you might file one claim that involves both collision coverage (the impact) and comprehensive coverage (broken windows). Each coverage type has its own deductible, so you could owe two deductibles in a single incident. Understanding this before you choose your deductible amount helps you pick a level you can actually afford if something happens.
What Affects Your Allstate RV Insurance Rate
Allstate bases your RV insurance rate on several factors: the age and value of the RV, the type of RV, how often you use it, where you store it, your driving history, and how much liability coverage you choose. A brand-new Class A motorhome costs more to insure than a ten-year-old travel trailer because it costs more to repair or replace. Similarly, an RV you use full-time costs more than one you use seasonally, because it spends more time on the road.
Where you store the RV also matters. An RV parked in a find storage facility in a low-crime area costs less to insure than one parked on the street in an urban neighborhood. Allstate may also offer discounts if you complete a defensive driving course, bundle multiple policies, or have not filed claims in the past. The specific discounts available vary by state and by your personal situation, so it is worth asking an Allstate agent what reductions you might receive.
Your driving history affects the rate as well. If you have accidents or traffic violations on your record, your RV insurance will cost more. Some people are surprised to learn that an RV claim follows you even if you switch insurance companies, because the claim history stays in the insurance database.
How to Get a Quote from Allstate
You can request an RV insurance quote from Allstate online through their website, by phone, or by meeting with a local agent. Online quotes are usually faster and let you see rates when ready, though you may need to provide detailed information about the RV, including the make, model, year, and current value. If you are not sure of the value, you can look it up on NADA Guides or Kelley Blue Book, which are the standard valuation sources insurers use.
When you get a quote, have your driver's license and vehicle identification number (VIN) ready. If you are adding RV coverage to an existing Allstate policy, the process is simpler because Allstate already has your personal information. If you are a new customer, you will need to provide your driving history and information about any previous insurance you have had.
Quotes are free and do not commit you to anything. It is normal to get quotes from multiple insurers before deciding, so you can compare what Allstate offers against other RV insurance providers. Some people find that one insurer is significantly cheaper for motorhomes while another is cheaper for trailers, so the comparison matters.
Coverage Limits and What They Mean
Coverage limits are the maximum amount an insurance company will pay for a claim. For liability coverage, Allstate typically offers limits like $100,000 per person and $300,000 per accident, though you can choose higher limits. This means if you cause an accident and injure someone, Allstate will pay up to $100,000 for that person's medical bills and damages, and up to $300,000 total for everyone involved in that accident.
For collision and comprehensive coverage, the limit is usually the actual cash value of your RV—what it is worth on the used market, not what you paid for it. If your RV is worth $50,000 and you total it, Allstate will pay up to $50,000 (minus your deductible). If you still owe money on an RV loan, your lender may require you to carry collision and comprehensive coverage with limits equal to the loan balance, so this is worth checking before you choose your coverage.
Personal belongings inside the RV—clothes, electronics, kitchen equipment—are usually not covered under an RV policy. If you want to insure those items, you may need to add a rider or use your homeowners or renters insurance. This is another detail worth clarifying with an Allstate agent when you are setting up your policy.
When Your RV Is Parked and Not in Use
RV insurance covers your vehicle whether it is being driven or parked. However, some coverage types work differently depending on what you are doing. Collision coverage applies when you are driving, but if your parked RV is hit by another vehicle, that other vehicle's insurance typically pays for the damage. Comprehensive coverage (theft, weather, vandalism) applies whether the RV is parked or moving, so if a storm damages your RV while it is in storage, comprehensive coverage would pay for repairs.
If you park your RV for the winter or for several months, you can ask Allstate about reducing your coverage temporarily. Some insurers offer lower rates for seasonal storage, though you typically still need to carry liability coverage in case someone is injured on or around the RV. The specifics depend on your state and Allstate's current policies, so this is worth discussing with your agent if you are not using the RV for an extended period.
Frequently Asked Questions
Does Allstate RV insurance cover damage to a trailer while it is being towed?
No. If your trailer is damaged in an accident while being towed, the towing vehicle's auto insurance covers the damage, not the trailer policy. The trailer policy covers damage that happens while the trailer is parked or being stored, such as theft or weather damage.
Can I add RV coverage to my existing Allstate auto policy?
Yes. Allstate allows you to add RV coverage to an existing auto or homeowners policy. This is often cheaper than buying a standalone RV policy because you receive a multi-policy discount. Contact your local Allstate agent or log into your online account to add coverage.
What is the difference between actual cash value and agreed value coverage?
Actual cash value is what your RV is worth on the used market at the time of a loss, which decreases as the RV ages. Agreed value means you and Allstate agree on the RV's value upfront, and that is what you receive if it is totaled. Agreed value is usually more expensive but protects you if the RV depreciates faster than expected.
Do I need RV insurance if I only use my motorhome a few times a year?
Yes. Even if you use the RV infrequently, you need liability coverage in case you cause an accident or someone is injured on the RV. You can ask about seasonal or reduced-use rates, which some insurers offer for RVs that are driven fewer than a certain number of miles per year.
What happens if I get into an accident with my RV while towing a trailer?
The motorhome's insurance covers damage to the motorhome itself. Damage to the trailer is covered by the trailer's policy if the trailer was damaged by something other than the towing vehicle (like weather or theft). If the motorhome caused the trailer damage during the accident, the motorhome's liability coverage may cover it, but this is a situation to report to both insurers and let them sort out.