By Tahir Abbas, Editor · Last updated 1 November 2026
Motorhome insurance covers vehicles that are both transport and home: motorhomes, campervans and RVs. A motorhome is a large, valuable vehicle that also carries your belongings and sometimes serves as your main residence, so it needs cover that blends vehicle insurance with home-style protection.
This guide explains what motorhome insurance typically covers, what it leaves out, who it suits, and how to compare policies before you buy.
What motorhome insurance typically covers
- Liability for injury and property damage caused to others
- Damage to the motorhome in an accident, on comprehensive policies
- Theft, fire, storm and vandalism, on comprehensive policies
- Contents and personal belongings inside the vehicle, where included
- Windscreen cover and emergency accommodation, where included
What motorhome insurance typically does not cover
- Wear and tear and mechanical breakdown
- Damage from leaving the vehicle unoccupied beyond the policy’s limit
- Contents above the policy’s value limit
- Commercial use, such as hiring the motorhome out, without the right cover
Who motorhome insurance is for
Motorhome and campervan owners, whether for holidays, touring or full-time living. Standard car insurance does not cover a motorhome’s size, value or contents, and many policies exclude habitation use.
How to choose and compare motorhome insurance
- Check the sum insured reflects the vehicle’s value including conversions and equipment
- Compare contents limits against what you carry
- Look at cover for European or long-distance touring if you travel
- Consider breakdown cover sized for a large vehicle
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Sources and Disclosure
This guide is general information, not financial advice. Plan features described here are general and vary by insurer and state; always read the sample policy before you buy. For the rules governing insurance in your state, see the consumer resources of the National Association of Insurance Commissioners (NAIC). Disclosure: Being Insurance is an independent comparison site. We may earn a commission when you buy through links on this page. That never changes which companies we list or the order we present them in.