Request an RV Insurance Quote
Call today for an RV insurance quote through The Hartford's Nutmeg Insurance Agency.
Speak with a representative at 800-555-2510 to get started.
RV Insurance From The Hartford To Keep You Moving
Your recreational vehicle (RV) is more than a car, but not quite a house. This can make it challenging to find the right coverage for your home on wheels at an affordable rate. That’s where The Hartford can help. Whether you need RV insurance, motorhome insurance or trailer insurance, The Hartford offers specialized protection for your home away from home though The Hartford’s Nutmeg Insurance Agency.
Do You Need RV Insurance?
RV insurance is different than car insurance. That’s why motorhomes, travel trailers and campers need custom coverage. Our RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.
RV Insurance Coverages
You can customize your RV insurance policy with different types of coverage, including:
- Medical payments: This helps cover treatment or recovery costs if you or your passengers get hurt in an accident.
- Collision damage: This helps pay for your repair costs if your RV gets damaged in an accident.
- Bodily injury: If you get into an accident with your RV and other people get hurt, this coverage helps pay their medical expenses.
- Property damage: If your RV or trailer damages another person’s property, like their car or home, this coverage can help pay for their repairs.
To answer any questions you may have and learn more about protecting your RV, speak with a representative at 800-555-2510.
RV Insurance Benefits
Enjoy great rates and savings on RV insurance through The Hartford’s Nutmeg Insurance Agency. You could even be eligible for extra benefits, such as:
- Total Loss Settlement: If you total your RV, this covers the replacement cost for one of like kind and quality from the same manufacturer during the first five model years. So, if your new RV is a total loss, replacement coverage can help pay for a new one.
- Emergency Expense Coverage: If you have a covered loss more than 50 miles from home, you are covered for temporary housing, travel expenses, and costs to return your motor home to your residence or storage space.
- Full Timer Liability Coverage: If you live in your RV full-time, this coverage provides Personal Liability similar to a homeowners policy. So, if you park your motor home and use it as a full-time residence, you can have peace of mind knowing you’re protected. You can also add Medical Benefits to cover you against accidental injuries while your motor home is parked.
Ways to Save on RV Insurance Costs
With The Hartford's Nutmeg Insurance Agency, you could be eligible for special RV insurance discounts. For example, you can save by paying your premium in full or completing driver safety courses.
To find all the discounts you qualify for when getting RV insurance coverage, The Hartford’s Nutmeg Insurance Agency is ready to help. Call 800-555-2510 to get a quote and make sure you get the coverage you need at the right price.
Common Questions About RV Insurance
How Much Does It Cost To Insure an RV?
Your specific cost for RV insurance can depend on your:
- The value of your motor home
- Driving record and RV driving experience
- Policy details, such as types of coverage, limits and deductibles
What Is the Difference Between Motorhome and Travel Trailer Insurance?
Both of these insurance policies help protect different types of recreational vehicles. Motorhomes are trailers with an engine that can be driven. They have three different classifications based on size. A travel trailer doesn’t have an engine and requires another vehicle to pull it.
When Is RV Insurance Required?
If you’re driving your RV on the road, most states require you to carry liability insurance. The amount can vary by state, so it’s a good idea to check with your local laws to make sure you’re carrying the right coverage.
Can You Cover My Motor Home if I Use It as My Primary Residence?
Yes. We can cover your motor home and add personal liability coverage similar to what you receive on a homeowners policy. In addition to liability, you can select coverage for your personal property and medical payments. If you permanently park your motor home, coverage for other structures at your site is also available.**
Do I Need an Auto Policy With The Hartford To Be Eligible for RV Insurance?
No. RV coverage is available through The Hartford’s Nutmeg Agency, even if you do not have car insurance with The Hartford.
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Last Updated: September 8, 2025
** Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. This Program is underwritten by one of the licensed insurers Foremost Insurance Company through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Foremost Insurance Company.
Additional disclosures below.