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Does Progressive Offer Decent RV Insurance?

People looking for affordable RV insurance will inevitably stumble upon Progressive. 

They offer several levels of coverage depending on your situation. But because trailers aren’t vehicles, the best option for you will depend on a few factors. You’ll also need to ensure you understand what the policy covers before making a decision.

We’re looking into Progressive to see if an RV insurance policy from them is worth checking out or if you should steer clear.

Let’s explore!

What is RV Insurance?

In some ways, RV insurance is similar to auto coverage. For example, unless you own your rig outright, your lender will require you to carry a comprehensive policy. Beyond that, different states will have various legal minimums you need to purchase. 

Depending on the state, that could include liability for bodily injury and property damage, uninsured motorist coverage, or MedPay coverage. Each policy will have a maximum limit, meaning the amount it pays out for a single incident. For example, if you’ve got $25,000 property damage coverage, anything over that comes out of your pocket. 

However, if you’re pulling a trailer, it doesn’t need a car insurance policy. But that doesn’t mean you should skip coverage for it. If your pop-up or truck camper needs repairs after an accident, you may be out of luck. The company will only pay out if you purchase a separate policy. 

That’s not all. Car insurance generally doesn’t pay to replace anything inside your vehicle. However, because RVers typically have a lot more personal property in their campers, you can opt for coverage to replace stolen or damaged items.

You can also get vacation liability, which protects you in case of property damage or bodily injury to someone while parked at a campsite. 

Pro Tip: Never hit the road in your RV without these 3 Documents All Drivers Must Have, Legally.

Considering insurance
Before you hit the road for a big RV adventure, you will want to make sure you have a full coverage insurance policy.

The Benefits of Progressive RV Insurance

Progressive offers a standard RV policy as an add-on option to your regular car insurance. It starts at a reasonably cheap rate and has a low annual fee with comprehensive coverage. You can also get pet injury coverage, roadside assistance, and emergency expenses if you need to cover the cost of transportation or a hotel.

They also offer small accident forgiveness, meaning your rates won’t increase if you file a minor claim. Add-ons include vacation liability for occasional use or a full-timer policy if the motorhome is your permanent residence. 

Progressive’s policies are flexible for just about any type of camper. One of the best features is their disappearing deductible. You’ll get a 25% reduction on out-of-pocket expenses for every claim-free period. Progressive offers several ways to qualify for additional discounts. 

Plus, you won’t have to wait long to compare rates. Their free quotes are available within ten minutes. 

The Disadvantages of Progressive RV Insurance

It’s disappointing that the company doesn’t offer roadside assistance or personal injury protection as part of the core policy. Many of their competitors do. 

No RV insurance company is perfect, but Progressive does have quite a few disappointing reviews. Negative comments mention poor customer service, price increases even without claims on file, and coverage denial. In fact, they only have a one-star rating on the Better Business Bureau website.

It’s also important to note that their auto division doesn’t handle motorhome claims. So while you may have a good experience with your regular vehicle, it could be different if something happens to your rig. One reviewer noted that a month after he got paid for his truck claim, he was still waiting on an inspection for his camper. 

So, while the company may be able to save you money on your annual premiums, they seem to have a lot more complaints than other companies. If they don’t come through when you need them, then you’re actually wasting your cash. 

Towing camper on dirt road
Progressive offers a standard RV insurance policy to cover your RV travels.

Does RV Insurance Cover Water Damage?

If you’re driving around with minimum liability, don’t expect it to cover wood rot from a leak. However, comprehensive coverage can protect you from all kinds of damage. 

Still, it would be best to familiarize yourself with any exclusions before buying. One of the most common is manufacturer flaws. But you may be able to get compensation through the company that made your rig.

Lack of maintenance is another problem they won’t cover. Any repairs must come out of your pocket if you’re not replacing seals or getting routine work done. Many policies will also deny claims caused by snow or ice pileup on your rig. 

Insurance treats water damage that happens because of natural disasters like floods or earthquakes very differently. It’ll depend on the type of policy you have and how often you use your camper. 

The bottom line is you’ll need to read the fine print and ask lots of questions.

How Is the Cost of Motorhome Insurance Determined?

Insurance companies use a complicated formula for setting rates. And every brand has a different method of evaluating risk. So while your friend may get a great deal from one company, you might get a better price elsewhere. 

Some common factors include your age, driving record, and the type of rig you’re insuring. While certain safety features can fetch a discount, accessories like slide-outs can cost you more. They’ll also consider how much mileage you generally put into the vehicle and how many times you’ve filed a claim. 

State laws can limit how insurance companies determine the formula, and prices will vary from one state to the next. Finally, the level of coverage you select will make a big difference in your yearly cost. 

Pro Tip: RV stuck on the side of the road? We compared Good Sam Versus AAA for the ultimate RV Roadside Assistance Showdown.

So, Does Progressive Offer Decent RV Insurance?

Most people simply want to purchase insurance and only have to think about it once they need it. Progressive does offer great prices that make traveling with peace of mind simple. However, you may need to pay extra for coverage other companies offer in their general policies. 

Plus, the long list of bad reviews shows Progressive has a way to go before making their RV insurance policy a worthwhile buy. Whatever option you choose, make sure you get several quotes before purchasing. And remember to ask about all their discount options.

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