Your RV — vehicle, home, and getaway in one.
A motorhome or fifth-wheel is part vehicle, part home, and an auto policy treats it like neither. Foremost's specialty RV program — the original Foremost book that pioneered coverage for homes on wheels — covers Class A, B, and C motorhomes, travel trailers, and fifth-wheels with total-loss replacement, your contents, campsite liability, and full-timer coverage if you live in it. Here's how it works, recreational versus full-timer, and the Arkansas rules. From an independent agency that places it every day.
The short answer
RVs are a Foremost Choice specialty — Signature and Foremost360 don't write them, so your motorhome or trailer goes to the original Foremost book. It covers motorhomes, travel trailers, and fifth-wheels with protections an auto policy lacks: total-loss replacement, contents at replacement cost, campsite and vacation liability, emergency expense, and — if you live in it — full-timer coverage that adds homeowners-style liability. In Arkansas, a motorhome needs auto liability; a towed trailer's physical damage is on its own. Backed by an A (Excellent) carrier group — and quoted against 40+ others.
This one is Foremost Choice, full stop.
RVs are exactly the specialty risk the original Foremost was built around — the same book that pioneered coverage for homes on wheels. Signature and Foremost360 sit this one out.
- The dedicated Foremost RV program
- Class A / B / C motorhomes
- Travel trailers, fifth-wheels & pop-ups
- Truck campers & toy haulers
- The former MetLife Auto & Home book
- Writes auto, home, boat & motorcycle
- Your RV goes to Choice
- The combined MetLife + Foremost platform
- Auto, home, landlord & umbrella only
- Your RV goes to Choice
The company that insured the first homes on wheels.
Foremost built its name insuring mobile homes when no one else would, and RVs are the same idea in motion — part dwelling, part vehicle, all specialty. That heritage is exactly why the RV goes to the Choice program. And because we also represent 40 other carriers, we can bundle it with your home and auto for a package credit, or move it elsewhere if your rig or your travels change the fit.
Do you vacation in it, or live in it?
This is the single most important question on an RV policy, because it changes what the coverage has to do.
If you live in your RV for most of the year, full-timer coverage adds the homeowners-style protection a recreational policy leaves out — comprehensive personal liability, medical payments to others, and loss-assessment and personal-effects coverage. When the RV is your residence, this isn't an upgrade; it's the coverage.
Two very different policies.
Recreational (weekender). For an RV you take on trips and vacations while keeping a permanent home elsewhere. It protects the unit, your belongings, and your liability while you're using it — the right fit for most owners.
Full-timer. For an RV that is the permanent home. Because you don't have a separate homeowners policy filling the gaps, the RV policy has to carry that weight: personal liability wherever you are, medical payments, and coverage more like a home than a vehicle. Telling us how you actually use the RV up front is what keeps you from discovering the gap at claim time.
Everything an auto policy leaves on the table.
The RV-specific coverages are the whole reason the specialty policy exists.
Physical Damage
Collision plus broad comprehensive — fire, hail, wind, flood, theft, animals, vandalism, and the RV classic, damage from low branches and overhangs. Attached accessories like awnings and satellite dishes are covered too.
Total-Loss Replacement
For a newer unit — typically within its first five model years, original owner — a total loss is settled with a brand-new RV of like kind and quality instead of a depreciated check. On a recent motorhome, that's thousands of dollars of difference.
Personal Property
Your belongings in and around the RV — covered at replacement cost when you choose it, unlike the actual-cash-value contents (if any) on a plain auto policy. For a full-timer, this is the "everything I own" coverage.
Campsite & Vacation Liability
Liability while the RV is parked and set up at a campsite and used as a temporary residence, plus vacation liability while you travel — the on-the-road equivalent of the liability your home policy gives you.
Emergency Expense
If a covered loss disables the RV far from home, this helps with lodging and transportation so a bad day on the road doesn't strand you — the coverage that turns a breakdown into an inconvenience instead of a crisis.
Roadside & Deductible Rewards
Roadside assistance and towing built for a big rig, plus features like a diminishing deductible that shrinks for each claim-free year and first-accident consideration — the perks that reward careful owners.
It depends on whether it drives itself.
A Class A, B, or C motorhome is a motor vehicle in Arkansas — it must be registered and carry at least the state-minimum auto liability, just like a car. The RV policy provides that liability while you're driving it.
The travel-trailer catch worth understanding.
A travel trailer or fifth-wheel is towed, not driven, so it isn't separately required to carry its own liability. While you're towing it, your tow vehicle's auto liability generally extends to the trailer — which is why people assume they're fully covered.
Here's the catch: that borrowed liability covers damage you do to others. It does nothing for the trailer itself — and a modern fifth-wheel can be a six-figure asset. Physical-damage coverage on the trailer is a separate choice, and on an expensive rig it's the one that matters most. Both motorhomes and trailers still need to be registered.
The ones worth mentioning.
Foremost rewards keeping your policies together, safety equipment, a clean record, and storing the rig in the off-season.
Multi-Policy / Bundle
Insuring your RV alongside a home, auto, or other Farmers-family policy earns a package credit — and across the Foremost families you can mix and match and still bundle.
Safety Features
Factory safety equipment — airbags, anti-lock brakes, and similar features — can earn a discount on a motorhome, the same way it does on a car.
Diminishing Deductible
For each consecutive claim-free year, your deductible can shrink — a built-in reward for careful ownership that adds up quietly over time.
Storage / Lay-Up
If you store the RV for part of the year, a storage or lay-up option can lower the off-season cost while comprehensive coverage stays in force against fire, theft, and weather.
Backed by an A (Excellent) group.
On August 1, 2025, AM Best affirmed the Financial Strength Rating of A (Excellent), stable outlook, for the members of the Farmers Insurance Group of Companies — the group behind the Foremost companies that write this coverage in Arkansas. A financial strength rating is an opinion about an insurer's ability to pay claims; it doesn't grade how a specific claim is handled, and it isn't a recommendation to buy or keep a policy. Different question, different source — the current rating is at ambest.com.
Where we earn it on an RV policy.
The RV mistakes are specific: a full-timer sold a recreational policy with no personal liability, a newer motorhome on actual cash value instead of total-loss replacement, a fifth-wheel with no physical damage because the owner assumed the truck's policy covered it, and no contents coverage on a rig full of belongings. We catch those at the quote and match the policy to how you actually use the RV. We don't adjust your claim and can't overrule an adjuster — but we'll tell you whether a claim is worth filing, make sure the right coverage responds, chase the file when it stalls, and move you to another of our 40-plus markets if Foremost stops fitting.
The rig and how you use it set the number.
RV premium turns on the type and class of unit, its value and age, whether you use it recreationally or full-time, your coverage and liability limits, your driving record, where you store it, and how much you travel. A pop-up camper, a towable fifth-wheel, and a Class A diesel pusher price on completely different logic — and full-timer status changes it again. Too many variables for a webpage figure to mean anything, so we won't post one. This isn't a quote or a guarantee. What reliably helps: bundling with a home or auto, right-sizing your total-loss and contents coverage, and taking the storage discount if you lay it up. Send your declarations page and we'll build the number with you.
The policies around this one.
Foremost RV questions.
Which Foremost writes RV, motorhome, and travel trailer insurance?
This one is Foremost Choice only. The original Foremost specialty book — the same one that pioneered mobile home coverage — runs the RV program, covering Class A, B, and C motorhomes, travel trailers, fifth-wheels, pop-up and folding campers, truck campers, and toy haulers.
Foremost Signature and the combined Foremost360 platform do not write RVs, so your motorhome or trailer goes to Choice. It's the natural home for it: RVs are exactly the kind of specialty risk Foremost was built around, and we place the Choice program directly.
What's the difference between recreational and full-timer coverage?
It comes down to how you use the RV. Recreational (or weekender) coverage is for an RV you use for trips and vacations while keeping a permanent home elsewhere. Full-timer coverage is for people who live in their RV for most of the year and treat it as their primary residence.
Full-timer adds homeowners-style protection the recreational version doesn't, including comprehensive personal liability, medical payments to others, and loss-assessment and personal-effects coverage more like a home policy than a vehicle policy. If your RV is your home, full-timer is not optional; it's the whole point. We ask how you use it up front so the policy matches your life.
Doesn't my auto policy already cover my RV or travel trailer?
Not the way you'd want. An auto policy generally settles physical damage at actual cash value with no contents coverage and none of the RV-specific protections. For a towed travel trailer or fifth-wheel, your auto policy's liability usually extends to the trailer while your vehicle is towing it — but that liability does nothing for the trailer's own physical damage, which is often the most expensive part.
A dedicated RV policy adds total-loss replacement, contents coverage at replacement cost, campsite and vacation liability, and emergency expense. For a motorhome or a big fifth-wheel, that gap is the difference between a covered loss and a very expensive surprise.
What is total-loss replacement coverage?
It changes what a totaled RV pays. Instead of settling a newer unit at depreciated actual cash value, total-loss replacement pays to replace it with a brand-new RV of like kind and quality — typically available when the unit is within roughly its first five model years and still owned by the original owner.
For a recent motorhome or fifth-wheel, that can be worth many thousands of dollars over ACV. It's an option worth asking about specifically, because depreciation on RVs is steep in the early years and the difference at claim time is dramatic.
Does Arkansas require RV insurance?
It depends on whether the RV drives itself. A motorhome (Class A, B, or C) is self-propelled, so Arkansas treats it as a motor vehicle: it must be registered and carry at least the state minimum auto liability of 25/50/25, which the RV policy provides.
A travel trailer or fifth-wheel is towed rather than driven, so it isn't separately required to carry liability — while you're towing it, your tow vehicle's auto liability generally extends to it. But that liability covers damage you do to others, not damage to the trailer itself, so physical-damage coverage on the trailer is a separate, strongly recommended choice. Registration still applies to both.
How do I get a Foremost RV quote in Arkansas?
Foremost is agent-only, so an appointed agency like ours is how the coverage is bought. Start at our personal lines quote form or call (479) 286-1066. Have the year, make, model, class or type (motorhome, travel trailer, fifth-wheel, pop-up), and value handy, and tell us whether you use it recreationally or live in it full-time — that single answer changes the whole policy.
If you carry a current RV declarations page, send it; reading what you have is faster than answering questions about it, and it's how we check your total-loss basis, contents, liability, and full-timer status are actually set right.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas RV owners can find our local, plain-English guides.
Foremost is one of 40+ carriers we represent.
Which means we can put your RV on the Foremost Choice program — where the specialty coverage lives — or on one of our other markets if that fits better, and bundle it with your home and auto. Send your current RV declarations page and we'll read it back in plain English: recreational versus full-timer, your total-loss basis, your contents, and whether a towed trailer is actually covered for its own damage. If what you have is already right, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Foremost, and this page is not endorsed, sponsored, reviewed, or approved by Foremost. "Foremost," "Foremost Choice," "Foremost Signature," "Foremost360," and "Farmers" are service marks or trademarks of the Foremost Insurance Group, the Farmers Insurance Group of Companies, and their affiliates, used here nominatively to identify products we are appointed to place. Foremost Signature is the property-casualty business formerly known as MetLife Auto & Home, acquired by Farmers in 2021. Foremost's Arkansas RV, motorhome, and travel trailer policies are issued by Foremost- and Farmers-affiliated underwriting companies through the Foremost Choice program; the Foremost Signature and Foremost360 programs do not write RV coverage.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Programs, coverages, features, limits, deductibles, discounts, and eligibility — including recreational versus full-timer coverage, total-loss replacement, contents/personal property, campsite and vacation liability, emergency expense, roadside, and diminishing deductible — vary by program, unit type and class, model year, use, policy, state, and over time, are set by the carrier, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Total-loss replacement generally requires a newer unit within a limited number of model years owned by the original owner and is subject to its own terms. If anything on this page conflicts with the issued policy, the policy controls.
Statements about Arkansas registration and insurance requirements for motorhomes and towed trailers are general information, not legal advice, are subject to change, and are governed by current Arkansas law and the policy actually issued. Whether and how a tow vehicle's auto liability extends to a towed travel trailer or fifth-wheel depends on that policy's terms; physical damage to a trailer is not provided by liability coverage. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A (Excellent) rating referenced was affirmed by AM Best on August 1, 2025 for the members of the Farmers Insurance Group of Companies, which include the Foremost underwriting companies. No cost figures are represented or guaranteed on this page; any premium is determined by the carrier at quote based on your specific unit and risk.
Last reviewed July 2026.