Bus-conversion homes are a popular and fast-growing trend within the RV lifestyle. City buses, Greyhounds, and even school buses are highly sought after and, once renovated, become non-traditional RVs that fall into the Class A category. While bus renovation projects are becoming mainstream, they can be difficult to insure. Buses, especially school bus-converted homes or “Skoolies,” are considered more of a risk due to their weight and balance limitations. Vehicles originally built for mass transportation do not have the same axle and weight distribution as traditional RVs, which are designed for sleeping and carrying additional living necessities.


While JD Power-recommended companies above aren’t among the cheapest of the insurance companies we’ve examined, they might suit your needs. It’s important to think beyond price to find a comfortable middle ground between claims satisfaction and affordability. Use The Zebra’s side-by-side insurance comparisons to avoid some of the legwork involved in insurance shopping.
As with our other large insurance providers, Nationwide has a mobile app that allows you to file a claim, pay your bill, and view your insurance card. However, while it currently has a 4.2-star rating on the Apple App Store, its Google Play rating sits at a mediocre 3.5. Many users complain that several of the app’s features malfunction and need attention from developers. If you’re trying to file a claim after an accident, you don’t need the additional stress of a poorly functioning app, even if it’s free. While the app’s capabilities may improve over time, it’s best to stick with providers like Allstate if mobile app functionality is important to you.
While JD Power-recommended companies above aren’t among the cheapest of the insurance companies we’ve examined, they might suit your needs. It’s important to think beyond price to find a comfortable middle ground between claims satisfaction and affordability. Use The Zebra’s side-by-side insurance comparisons to avoid some of the legwork involved in insurance shopping.
Fifth-wheel trailers offer similar accommodations and amenities to those of Class A or Class C motorhomes, but are towed behind a vehicle, so you don’t have to take them everywhere you go. Toy haulers are basically mobile garages, they can be used to store things like cars, motorcycles, and snowmobiles. Horse trailers, just as the name suggests, are towable trailers used to carry horses or other animals. Cargo or utility trailers are towable metal boxes that are strictly used to store your belongings.
The sticker price, high repair costs and what is under the hood can result in a sky-high premium. The 2019 BMW M760i xDrive, No. 5 on our most expensive list, is a good example. “It's little wonder that the M760i xDrive costs a bundle to insure, it's a small fortune to buy in the first place. The ultra-luxury sedan's six-figure price offers amenities like hot-stone massaging seats, retractable footrests and fragrance-enhanced ventilation — plus a 601-hp, twin-turbocharged V-12 that took just 3.5 seconds to scorch 60 mph,” says Mays.
RVInsurance.com is partnered with twenty carriers known in the industry for their strong and consistent financial performance. Nationwide, the Foremost Insurance Group, National General, and Safeco Insurance are some of these carriers, to name a few. They share similar A-or-higher ratings with at least one of the large financial strength rating agencies.

Progressive Home Advantage® policies are placed through Progressive Advantage Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PAA commission for policies sold. Prices, coverages, privacy policies, and PAA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PAA's commission. Discounts not available in all states and situations.


In addition, luxury cars come with high repair costs due to the quality of the materials used (teak wood is more expensive than plastic) and the fact that they are often loaded with the latest technology. “Sports cars and high-end luxury vehicles are almost always more expensive to insure because of repair costs. The materials used in these vehicles is often more expensive than the finishes in a moderately priced vehicle,” says Carole Walker, executive director with the Rocky Mountain Insurance Information Association
The coverage options that Good Sam’s Full Time RV Insurance provides include but are not limited to: personal liability, which is similar to vacation liability and pays for injuries that happen around the RV or on the customer’s property; medical payments to others, which covers the costs of medical expenses incurred by those who are injured while visiting the RV and/or the property around it; personal belongings coverage, which provides up to $3,000 of full replacement cost coverage at no extra cost; and an emergency expense allowance, which covers the costs of food and lodging if the customer is ever involved in a covered claim more than 100 miles from their home.
The Honda Odyssey moved back into the top spot this year after dropping to second place last year, behind the Jeep Wrangler. The Odyssey costs a mere $1,298 a year to insure. That’s $514 less than the national average of $1,812. In 2010, the first year Insure.com began its rankings of new models’ insurance costs, the Odyssey cost $1,095 to insure, so its coverage price has increased just $203 in nine years.
The sticker price, high repair costs and what is under the hood can result in a sky-high premium. The 2019 BMW M760i xDrive, No. 5 on our most expensive list, is a good example. “It's little wonder that the M760i xDrive costs a bundle to insure, it's a small fortune to buy in the first place. The ultra-luxury sedan's six-figure price offers amenities like hot-stone massaging seats, retractable footrests and fragrance-enhanced ventilation — plus a 601-hp, twin-turbocharged V-12 that took just 3.5 seconds to scorch 60 mph,” says Mays.
The auto insurance rates displayed in our articles are based on the 2019 results of The Zebra’s comprehensive car insurance pricing analysis. In the analysis of all US zip codes — including Washington D.C. — our user profile consisted of a 30-year-old single male driving a 2013 Honda Accord. To generate pricing specific to particular rating factors, we adjusted the driving profile based on pricing factors commonly used by car insurance companies.
The sticker price, high repair costs and what is under the hood can result in a sky-high premium. The 2019 BMW M760i xDrive, No. 5 on our most expensive list, is a good example. “It's little wonder that the M760i xDrive costs a bundle to insure, it's a small fortune to buy in the first place. The ultra-luxury sedan's six-figure price offers amenities like hot-stone massaging seats, retractable footrests and fragrance-enhanced ventilation — plus a 601-hp, twin-turbocharged V-12 that took just 3.5 seconds to scorch 60 mph,” says Mays.
If you live in an area with unusual state regulations or heightened risk of weather-related claims, shopping car insurance options will be vital. Not every car insurance company offers policies in every state, which can make pricing less competitive. If you live in storm-prone states like Louisiana or Florida, you might find it harder to get a competitive rate.

Full-time RVers can enjoy coverage similar to that of homeowners insurance through the Good Sam Insurance Agency’s specialized protection plan for full timers or first-time weekend RVers. Full-Time Insurance goes above and beyond what traditional Auto Insurance policies can protect because it covers a number of other incidents and situations that regular RV insurance does not.
Most car insurance providers will offer to include your RV as part of your auto insurance policy, as such you will get traditional car insurance coverage. This will include bodily injury and property damage liability coverage, personal injury protection, collision, comprehensive, medical payments, and uninsured or underinsured motorist coverage, which essentially protects you against accidents and physical damage while on the road. (For a more detailed explanation of coverage see below.)  
According to Greg Gerber, “Most car insurance firms don’t have a clue of what can go wrong with an RV and don’t provide the coverage to get it fixed adequately,” which is why he advises consumers to get a separate policy for their RVs instead of bundling, to “avoid the hassle that can come if the RV itself is broken and they’re trying to get their car insurance company to fix it.” 
Life insurance premiums depend on the age of the insured party. Because younger people are less likely to die than older people, younger people typically pay lower life insurance costs. Gender plays a similar role. Because women tend to live longer than men, women tend to pay lower premiums. Engaging in risky activities increases insurance costs. For example, a racecar driver faces an increased risk of death and, as a result, may pay high life insurance premiums or be denied coverage.
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