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LAST UPDATED: September 14th, 2019

Like many industry-leading insurers, Nationwide has decades of experience. Founded in 1925 by Murray D. Lincoln, the insurance company began serving farmers in Ohio and eventually grew into a Fortune 100 company. Nationwide offers investing, banking, and insurance services.

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The Good

  • Basic Coverage Features
  • Established Insurance Company
  • Extensive Coverage Options
  • Multiple Discounts
  • Buses and Trailers Covered

Basic Coverage Features

  • Uninsured and underinsured motorist to protect drivers against expenses incurred by other drivers who are uninsured or underinsured for liability coverages. This coverage can also pay for repairs from hit-and-run drivers.
  • Bodily injury and property damage liability if you cause an accident that results in damage to another driver’s vehicle or the injury of the driver or passenger.
  • Collision coverage if your RV is damaged in an accident. This includes rollovers.
  • Comprehensive coverage for when your RV is damaged by a natural disaster, fire, or animal collision. It also covers stolen and vandalized goods, floods, and other situations not covered by collision and liability insurance.
  • Medical payments coverage to pay for your injuries and your passengers’ injuries whether or not you were at fault in an accident.

All the essential recreational vehicle features are covered by Nationwide.

Established Insurance Company

Nationwide provides coverage for many situations and has become a household brand name. The insurance company also offers car insurance, renters insurance, and life insurance among their services. This means consumers can receive a multi-policy discount if they bundle their RV insurance policy with other policies from Nationwide.

Extensive Coverage Options

Nationwide offers all the basic coverage options listed above. However, it also offers optional coverages so customers can customize their plans. One uncommon option Nationwide offers is safety glass replacement to replace windshields on a damaged recreational vehicle or motorhome.

Multiple Discounts

What sets Nationwide apart from other RV insurance companies is its optional discounts. Drivers can lower their premiums by taking safety courses, joining RV associations, or maintaining continuous motorhome insurance coverage.

Buses and Trailers Covered

While many insurance companies don’t mention this rising trend, Nationwide notes that it can insure professional bus conversions, toy haulers, fifth wheels, and more. This flexibility might draw consumers with unconventional motorhomes or trailers.


The Bad

  • Only Available in 48 States

Only Available in 48 States

RV owners in Hawaii and Alaska won’t be able to insure their RVs through Nationwide. Consumers from these states should look for other insurance companies that might cover their region.


The Bottom Line

If you’re seeking discounts on your RV premiums, Nationwide delivers a wide range that might make it a match for you. And if you have an unconventional recreational vehicle, Nationwide might have you covered. However, residents of Alaska and Hawaii looking to explore their state or the continental U.S. will need another policy.

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Stephanie Naylor Derby, KS

We have our rv car and homeowners with nationwide for over a year. We have not had any problems and they have great rates.

4 years ago