New Hampshire RV insurance

Do you need RV insurance in New Hampshire?

If you drive a motorhome, New Hampshire laws require that you demonstrate financial responsibility. One way to do so is by maintaining RV liability coverage, which can pay for damage or injuries you cause on the road. If you need more coverage than the state minimum, you can increase your liability limits to further protect your assets. Here are the required coverages and limits in the state of New Hampshire:

Do you need insurance on a camper in New Hampshire?

If you're pulling a camper or travel trailer, the state of New Hampshire requires that you carry auto liability coverage for the vehicle pulling your camper. It's important to note that your auto liability coverage won't cover damage to your travel trailer. If you want greater protection for your travel trailer, consider travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision offers valuable protection against damage to what may be one of your most valuable assets. If your motorhome or travel trailer is damaged, stolen, or totaled, these coverages may cover up to the actual cash value of your RV.

Comprehensive covers events out of your control, including RV theft, vandalism, fire, hitting an animal, and weather-related issues. Collision covers your RV if you collide with another vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in New Hampshire?

The average premium for a 12-month New Hampshire RV insurance policy at Progressive for 2023 was $834.51 for a motorhome and $379.36 for a travel trailer. Progressive offers RV liability-only policies starting at just $125/year,^* but your cost for RV insurance depends on many factors, such as:

• Type and model: The more expensive your RV is to repair or replace, the more you pay to insure it. Larger, newer RVs often cost more than smaller, used RVs; and motorhomes typically cost more than travel trailers or pop-ups.
• Claims history: Your history of filing insurance claims may affect your rate.
• Driving record: Violations can increase the price of your policy.
• Location: Your ZIP code can influence the cost of RV insurance.

What's the best RV insurance in New Hampshire?

Whether you're in Manchester, Nashua, Concord, or any other city in New Hampshire, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in New Hampshire that delivers the protection you need to cover your motorhome or travel trailer.

Looking for the cheapest RV insurance in New Hampshire? See some of Progressive's RV insurance discounts:

• Multi-policy discount
• Advance quote discount
• Paid in full discount
• Transfer discount
• Prompt payment discount

More RV coverages available in New Hampshire

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

• Total loss replacement: Covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy.
• Roadside assistance: Covers the cost of a tow in case of dead battery, flat tire, or other break downs.
• Replacement cost/personal effects: Covers personal items inside your motorhome or travel trailer, up to a specified amount, such as your smart phone, camping equipment, or television.
• Emergency expense: Pays up to $750 for hotel and travel costs if your RV breaks down more than 50 miles from home.
• Vacation liability: If you're on vacation and someone is hurt in or around your motorhome or travel trailer, you may be covered up to a specified amount.
• Pet injury: Covers vet bills up to $1,000, with no deductible, if your dog or cat is hurt in an RV accident.
• Pest damage protection: Covers repairs, up to a specified amount, if a wild animal damages your RV.^**
• Roof Protection Plus®: May pay to repair or replace the damaged roof of your motorhome, even if the damage resulted from normal wear and tear.^**

Find out additional information about our RV insurance coverages.

What if I live in my RV full time?

If your RV is your permanent residence, you may need additional coverage that a recreational RV policy doesn't offer. However, a full-time RV insurance policy may offer protection when your RV is your primary home with the following coverages:

• Personal liability: Liability coverage on a full-timers policy can protect against liability claims if you're responsible for someone else's injuries or damages, even when your RV is parked
• Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills
• Loss assessment: This coverage can pay for fees or charges from your RV association, up to $5000

Fast facts for New Hampshire RVers