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A 2026 review of Progressive RV insurance. It covers the motorhome and towable types Progressive writes, its published RV add-ons (vacation liability, emergency expense, roadside, total loss replacement, Roof Protection Plus, Pest Damage Protection), its discounts, how claims work, and how Dragon Insurance quotes Progressive RV next to Foremost, Safeco and other panel carriers.
We sell Progressive. Get your Progressive quote through Dragon. We quote Progressive side by side with the other carriers we write, so you see whether it is the best price for your RV.
You have narrowed your RV search down to a carrier, and the name on your list is Progressive. Good choice to look at closely. Progressive writes coverage for nearly every kind of RV on the road, from a Class A motorhome to a pop-up camper that lives in the garage all winter, and it offers a set of RV-specific add-ons that many owners do not know exist until they read the fine print.
Dragon Insurance is an independent agency with Progressive on its carrier panel, and RV is one of the lines we quote most. This review covers who Progressive RV insurance fits, which RV types it covers, the coverages and add-ons Progressive lists on its own site, how towables are handled, how a claim works, and how we quote Progressive side by side with the other RV carriers we write so you can see where it lands for your unit.
Quick Answer
Who is Progressive RV insurance a good fit for? Progressive RV insurance fits motorhome owners (Class A, B, and C) and owners of travel trailers, fifth wheels, pop-ups, and truck campers, especially weekend and seasonal travelers with newer units. Dragon Insurance quotes Progressive side by side with the other RV carriers it writes, so you see your Progressive rate next to the alternatives.
Key Takeaways
Progressive RV insurance fits owners who travel on their own schedule and want a policy they can shape around how, and how often, the RV actually gets used.
If your RV is your home rather than your getaway, Progressive does offer a Full Timer's Liability option, and our full-time RV insurance section explains how coverage changes when the RV becomes your residence.
Progressive RV Quote
See your Progressive RV rate next to the rest of our RV carriers.
One conversation, several quotes, and a licensed agent who explains the coverage differences before you buy.
Progressive's RV page lists coverage for three motorhome classes and a wide range of towables. Here is how Progressive describes each type, which is useful when you are not sure what category your RV falls into on a quote form.
| RV Type | How Progressive Describes It |
|---|---|
| Class A motorhome | The largest motorhome type, roughly 21 to 40 feet long |
| Class B motorhome | The smallest motorhome type, commonly called a camper van |
| Class C motorhome | Mid-sized, roughly 20 to 33 feet, also called a mini-motorhome |
| Travel trailer | Conventional camping trailers, roughly 12 to 40 feet long |
| Fifth wheel | A trailer with a raised front section for more living space, towed from a pickup bed |
| Pop-up camper | A smaller camping trailer with collapsible walls for easier towing |
| Truck camper | Living space that sits in the bed of a pickup truck |
Progressive's RV page also lists utility trailers and cargo and horse trailers. If you own one of those alongside a camper, mention it when we quote so we can price everything together.
Yes. Progressive writes dedicated travel trailer policies for conventional trailers, fifth wheels, pop-up campers, and truck campers, and the way a towable policy works is a little different from a motorhome policy.
One exception to know about: Progressive notes that a trailer kept on a permanent foundation may need a manufactured home policy instead. If that describes your setup, we can quote it through our manufactured home insurance options instead.
A Progressive RV policy starts with the same core coverages as a car policy, then adds options written specifically for life on the road and at the campsite. The core pieces are liability (required for motorhomes in nearly every state), comprehensive for theft, vandalism, fire, glass, weather, and animal collisions, collision for accidents with a vehicle or object, uninsured and underinsured motorist coverage, and medical payments on motorhomes. The add-ons below are where Progressive's RV policy stands out, with the limits Progressive publishes.
| Coverage | What It Does | Published Limit or Condition |
|---|---|---|
| Vacation liability | Covers you if someone is hurt in or around your RV at the campsite, and when the RV is in a storage facility | Up to $10,000, upgradeable to $500,000 |
| Emergency expense | Pays for transportation, hotel, food, and fuel if your RV is disabled far from home | Up to $750 when more than 50 miles from home; higher limits available |
| Roadside assistance | Towing to the nearest repair facility, fuel delivery, flat tires, dead batteries, and breakdowns | RV must be disabled within 100 feet of a road or highway |
| Replacement cost / personal effects | Covers belongings inside the RV, like a phone or camera gear | Up to the limit you choose; up to $99,000 listed for campers |
| Total loss replacement | May replace a totaled motorhome or travel trailer with a brand new one | Qualified new RVs, subject to policy terms and a deductible |
| Loss assessment | Covers fees your RV association charges members, such as storm damage to shared areas | Up to $5,000 |
| Pet injury | Pays vet bills if your dog or cat is hurt in an accident while riding in the RV | Up to $1,000, no deductible |
| Roof Protection Plus | Repairs or replaces a damaged RV roof, including wear and tear | RVs less than six years old; $250 deductible |
| Pest Damage Protection | Pays for damage from birds, rodents, mice, and other non-domesticated animals | RVs less than six years old; $250 deductible |
Limits and availability are as published on progressive.com and can vary by state and RV type. We confirm which options apply to your unit when we quote. For a plain-English walkthrough of each coverage type across carriers, see our guide to what RV insurance covers.
If you bought your RV new or within the last few years, Progressive has three options worth adding to your quote, and we price them in so you can see the difference.
Progressive lists ten RV discounts plus a loyalty feature that shrinks your deductible over time. Which ones apply depends on your state, your RV, and your driving record, and we check each one when we build your quote.
Discounts Progressive Lists
More Ways to Save
Disappearing deductibles are the loyalty feature: Progressive says it subtracts 25% from your RV deductible for every claim-free period, all the way down to zero. And if your car is already with Progressive, bundling the RV onto the same carrier is often the simplest win. Our Progressive auto insurance review covers the car side of that bundle.
Premiums depend on your RV class, its value, how you use it, and your driving record, so for pricing details see our RV insurance cost guide or call 717-229-5115 for your actual Progressive number.
Compare Before You Buy
Get Progressive RV quoted next to Foremost, Safeco, and more in one call.
We apply the discounts you qualify for and show every quote side by side, so you pick the best value for your RV.
Progressive publishes a dedicated RV claims process, and it is built around the reality that your RV may be sitting at a campground, not in your driveway.
Where Dragon fits: when you buy Progressive RV through us, you still have a local agent to call. We can help you start the claim, and at renewal we re-quote your RV across our panel so your coverage keeps pace with your RV's value and your travel plans.
Yes. Progressive says on its own travel trailer page that it offers insurance by phone, online, and through independent agents, and its RV pages include a find an agent option.
Progressive and Foremost are both strong RV carriers, and the right one depends on your RV and how you use it, so we quote both and match the policy to the owner.
For the full carrier-by-carrier ranking, see our best RV insurance companies of 2026 comparison, or start on our RV insurance page for coverage options across every RV type we write.
You own a newer motorhome or trailer
Total loss replacement on qualified new RVs, plus roof and pest coverage for RVs under six years old, give newer units protection that goes beyond depreciated value.
You camp on weekends or by the season
Vacation liability, emergency expense coverage, and roadside assistance are built for trips away from home, and we tune the policy to part-time use.
You tow a travel trailer or fifth wheel
Progressive writes dedicated towable policies with comprehensive, collision, and personal effects coverage, while liability stays with your tow vehicle's auto policy.
You already have Progressive auto
Adding the RV to the same carrier opens the multi-policy discount, and we compare that bundle against other carriers so you know it is the better deal.
If two or more of those describe you, Progressive belongs on your quote list. We quote it side by side with the other RV carriers we write, so you see whether it is the best price and coverage for your RV before you buy.
Can I get Progressive RV insurance through Dragon Insurance?
Yes. Dragon Insurance is an independent agency with Progressive on its carrier panel. We quote Progressive RV coverage and place the policy with Progressive, and we compare it with other RV carriers we write, such as Foremost and Safeco, in the same conversation. Call 717-229-5115 or request a free quote online to get started.
Can I get Progressive RV insurance through an independent agent?
Yes. Progressive says it offers insurance by phone, online, and through independent agents. Buying through an independent agency like Dragon gets you the same Progressive RV policy, plus side-by-side quotes from other RV carriers and a local agent to call when you have questions.
Does Progressive cover travel trailers?
Yes. Progressive writes travel trailer policies for conventional travel trailers, fifth wheels, pop-up campers, and truck campers. A travel trailer policy covers physical damage and personal effects, but it does not include liability. Liability while towing typically comes from your tow vehicle's auto policy.
Does my truck insurance cover my fifth wheel?
Not for physical damage. Progressive states that the insurance on your motor vehicle will not cover your fifth wheel if it is damaged in an accident or stolen. You need a separate travel trailer policy with comprehensive and collision to protect the fifth wheel itself.
What does Progressive RV insurance cover?
Progressive RV policies can include liability, comprehensive, collision, uninsured and underinsured motorist, and medical payments on motorhomes, plus add-ons such as vacation liability, emergency expense, roadside assistance, personal effects, total loss replacement, loss assessment, pet injury, Roof Protection Plus, and Pest Damage Protection.
Does Progressive offer total loss replacement on RVs?
Yes, on qualified new RVs. If a covered motorhome or travel trailer is totaled, Progressive may replace it with a new RV of the same model year or later and the same trim level or better, subject to policy terms and a deductible.
What is vacation liability on a Progressive RV policy?
Vacation liability covers you if someone is hurt in or around your RV while you are on vacation, including at your campsite and when the RV is in a storage facility. Progressive lists coverage up to $10,000, upgradeable to $500,000.
How much is Progressive RV insurance?
Premiums depend on your RV class, its value, how you use it, and your driving record. Our RV insurance cost guide explains the pricing factors, and a call to 717-229-5115 gets you an actual Progressive RV quote next to the other carriers we write.
Whether you drive a Class A coach, tow a fifth wheel, or keep a pop-up for summer weekends, Dragon Insurance quotes Progressive RV side by side with the other RV carriers we write. You see the prices and the coverage differences together, then choose. One call. No pressure.
Visit us: 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011
Dragon Insurance Services LLC is a licensed independent insurance agency and is not affiliated with, endorsed by, or sponsored by Progressive. Coverage descriptions and limits reflect Progressive's published materials as of September 2026 and may vary by state, RV type, and policy. All coverage is subject to policy terms and underwriting approval. Contact us for a personalized quote.
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About the Author
Bimal GurungCEO, Agency Principal & Licensed Insurance Agent
Bimal Gurung is CEO and Agency Principal of Dragon Insurance Services, an independent agency in Camp Hill, PA that compares 30+ carriers for clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
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