What are Nevada's RV insurance requirements?
For motorized RVs, including Class A, Class B, and Class C motorhomes, here are the minimum liability coverage requirements for RV insurance in Nevada:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $20,000 in property damage per accident
Liability coverage for your travel trailer or other non-motorized RV is provided by the insurance policy of the towing vehicle. However, you need a separate RV insurance policy in order to protect against physical damage to your travel or utility trailer.
What would an RV insurance policy cost you? Get a free online quote to find out. We offer liability policies for as little as $125/year.*
What's included in a Nevada RV insurance policy?
Bodily injury and property damage liability coverage
Bodily injury refers to harm to people, and property damage refers to objects. Since these are liability coverages, they're designed so that they can help pay for medical bills, repair expenses, and legal fees if you're at fault for an accident. You can choose your liability coverage limit based on the amount of assets you have.
Comprehensive and collision coverage
Though state law doesn't mandate comprehensive and collision, lenders typically require physical damage coverages for your RV as part of your financing agreement. Collision and comprehensive can help with the cost of repairs to your RV in case of an accident or other events.
Comprehensive coverage can cover costs for repairing or replacing your RV when events beyond your control like theft, vandalism, extreme weather, fire, and animal collisions damage it.
Collision coverage, protects your vehicle from damage that results from accidents involving collisions with other objects like a vehicles, trees or road signs.
What if I live in my RV full-time?
If you live in your RV, you may need more protection than a standard recreational policy. Full-time RV insurance policies offer added protection for when your RV is your permanent residence:
- Medical payments: Like medical payments on a homeowners or renters policy, this coverage can pay for medical bills if someone gets hurt in your RV or the area around it.
- Personal liability: If you live in your RV, personal liability coverage on a full-timers policy can pay for damages or injuries you cause to others while your RV is parked.
- Loss assessment: Coverage that can pay for costs to repair the property where your vehicle is kept.
Other Progressive RV coverages available in Nevada
In addition to the coverages mentioned above, you can customize your RV insurance with:
Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.
Total loss replacement pays for the cost of a brand-new RV if yours is totaled in a covered incident. Total loss replacement is for vehicles no more than five years old.
Replacement cost/personal effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.
Emergency expense coverage can pay for travel and hotel costs if your RV is inoperable due to a covered event when you're more than 50 miles from home.
Roadside assistance can pay for a tow to the nearest repair shop if your RV gets a flat tire or otherwise breaks down.
Learn about all our available RV insurance coverages.
How much is Nevada RV insurance?
Just like with auto insurance policies, Nevada RV insurance policy prices are determined by many different factors, such as:
- Claims history: Your history of making insurance claims can affect your rate.
- Type and model: Bigger, newer RVs are generally more costly to insure than older, smaller ones. Motorhomes are usually more expensive to insure than travel trailers.
- Use: The more you use your RV, the more you're likely to pay to insure it.
Learn more about how RV insurance rates are calculated.
How can I get a lower rate for RV insurance in Nevada?
You may be able to save on RV insurance in Nevada with Progressive discounts like:
- Original owner: If you're the vehicle's first owner, you'll earn a discount.
- Accident-free: A clean driving record for the last three years can lower your premium with a discount.
- Homeowner: Earn a discount if you own a home, condo, or single- or double-wide, even if you don't insure that home with Progressive.
- Multi-policy discount: Get a discount when you have more than one policy with Progressive
Find out more about all the RV insurance discounts we offer.