Half vehicle, half home. A car policy only insures the half with wheels.
An RV is two things at once, and a standard auto policy only understands one of them. It won't cover the belongings inside, the awning, the cost of a hotel when a breakdown strands you, or the liability of living in it. National General grew out of the auto business into one of the country's RV specialists, with coverage built for the whole machine — including total loss replacement, a storage option that stops you paying full premium while it's parked, and full-timer coverage if you live in it. Allstate-group A+ paper; bundles with your auto.
The short answer
National General is a longtime RV specialist — it covers motorhomes (Class A, B and C), travel trailers and fifth wheels with the coverages a car policy simply doesn't have: total loss replacement (a covered total loss on a newer RV is replaced with a comparable new unit — and later with the original purchase price, not a depreciated amount), personal effects for your belongings inside, permanent attachment coverage for awnings and installed gear, vacation liability at the campsite, an emergency expense allowance if a breakdown strands you, and full-timer coverage if you live in it. A storage option suspends coverage while it's parked for the season. It's Allstate Insurance Group A+ paper, it bundles with your auto, and we run it against our Allstate contract and 40-plus markets.
It's a vehicle when it moves and a home when it stops.
A standard auto policy is built entirely around the driving risk. An RV spends a lot of its life doing something an auto policy never accounts for: being lived in.
one policy the coverage a car policy skips
The awning, the fridge, the belongings inside, the liability of camping in it, the hotel bill when it breaks down far from home — none of that is in an auto policy. And a towable trailer has no self-propelled liability of its own at all.
The specialist coverage exists because the exposures are different.
When a hailstorm dents the roof of a $120,000 motorhome, when a slide-out fails, when your awning tears off on the interstate, or when a covered breakdown leaves you paying for a motel three states from home — those are RV problems, and an auto policy wasn't written for any of them.
National General built a dedicated RV product for exactly this, and its roots help: it grew out of the auto-industry insurer that became National General, and it's spent decades as one of the country's RV specialists. That's why the coverage list reads like it was written by someone who's actually spent a weekend at a campground — because, in effect, it was.
What a car policy can't give you.
Total Loss Replacement
A covered total loss or theft on a newer RV is replaced with a comparable new unit; after the first model years, you're paid the original purchase price rather than a depreciated value.
Personal Effects
Covers the belongings you keep in the RV — electronics, gear, household items — often at replacement cost up to a base limit, with more available.
Permanent Attachments
Awnings, satellite dishes, racks and other equipment permanently attached to the RV are covered and replaced — the parts that make it yours.
Vacation Liability
Bodily-injury and property-damage liability while the RV is parked and used as a temporary vacation residence — the exposure of camping, not just driving.
Full-Timer Coverage
For people who live in the RV, this adds broader, home-like liability, medical payments and loss-assessment protection — the coverage a recreational policy doesn't provide.
Emergency Expense
Helps with lodging and travel costs to get you and the RV home when a covered breakdown strands you — a real bill on a long trip, included up to a set limit.
Stop paying full premium for months it's parked.
An RV that only comes out a few months a year shouldn't cost the same in January as in July. The storage option is the coverage that fixes that — and it's one of the best values in RV insurance.
Suspend the coverage you're not using — keep the coverage you still need.
When the RV is parked for the off-season, the storage option suspends collision and liability so you're not paying for a machine that isn't moving, while keeping comprehensive so it's still protected against hail, theft and fire sitting in the lot. Then there's the bundle: putting your RV and auto on one policy earns a multi-policy discount, and if your RV and auto are ever in the same covered accident, you pay only one deductible, not two. We'll set the storage months and the bundle up so the savings are automatic.
Recreational or full-timer — it changes everything.
This is the RV decision that actually matters, and it's the one people get wrong. A recreational policy is for an RV used for trips and vacations — its vacation liability covers you at the campsite. Full-timer coverage is for people who live in the RV, generally more than about six months a year, and it adds the broader, home-like liability a residence needs.
Live in it on a recreational policy, and the liability you're counting on isn't there.
Here's the trap: vacation liability on a recreational policy does not apply when the RV is your primary residence. So if you've sold the house and moved into the RV but kept a recreational policy, the exact liability you'd need if someone were hurt at your "home" may not respond. If you live in your RV — or you're about to — tell us, and we'll write full-timer coverage. This is the single most important thing to get right, and it costs nothing to ask.
Lake country, hail, and what actually qualifies.
Northwest Arkansas is genuine RV country — Beaver Lake, the Buffalo National River, the Ozarks and a short haul to a dozen state parks mean a lot of driveways here have a camper or motorhome in them. Two local realities shape the coverage: the region's hail and wind make comprehensive worth keeping even in storage, and the long off-season is exactly when the storage option earns its keep.
One eligibility note worth knowing up front: an RV policy generally requires the unit to have permanently installed cooking and sleeping facilities — that's what makes it an RV rather than a cargo or utility trailer, which this policy doesn't cover. And if your toys include an ATV, side-by-side, boat or motorcycle, those aren't on our National General contract — they run through our Allstate contract, and we place both, so one conversation covers the whole garage.
The pieces we'll talk through.
Priced on the rig and how you use it.
A pop-up used six weekends a year and a Class A motorhome someone lives in are worlds apart, so a planning number would mislead — this isn't a quote or a guarantee. What actually moves it:
A genuine specialty — with honest caveats.
On August 28, 2025, AM Best affirmed the members of Allstate Insurance Group — the companies behind National General's US RV policies — at a Financial Strength Rating of A+ (Superior), stable outlook.
Where National General is strong on RV
- It's a real specialty, not a bolt-on. Decades of RV-specific coverage — total loss replacement, personal effects, vacation liability, full-timer, emergency expense — built for the lifestyle.
- The savings are structural. The storage option and the RV-plus-auto bundle, including a single deductible if both are in one accident.
- A+ (Superior) Allstate-group paper, with agreed value, diminishing deductible and RV-specialist claims handling.
- Independent-agency distribution, so we run it against our Allstate contract and 40-plus markets — and cover your ATV, boat and motorcycle through Allstate.
What we'll tell you honestly
- Recreational vs full-timer is everything. If you live in it, a recreational policy's vacation liability won't respond — we write full-timer coverage.
- Personal effects has a base limit. The included amount may not cover everything you travel with; we schedule more where it's warranted.
- Utility, cargo and horse trailers aren't this policy, and total loss replacement is limited to newer units — we confirm eligibility before you count on it.
- ATV, boat and motorcycle go through Allstate, we don't adjust your claim, and we'll say plainly if another market fits your rig better.
The other lines we place — and where they live.
National General RV questions.
Can't I just insure my RV on my auto policy?
Not properly. A car policy is built for the driving risk, not the living one. It doesn't cover the things that make an RV an RV — your belongings inside, the awning and permanent attachments, the cost of temporary housing if a breakdown strands you, or the liability of using it as a vacation residence at a campsite.
Travel trailers don't even have their own liability under an auto policy the way a self-propelled motorhome does. National General built a dedicated RV product for exactly the gap a car policy leaves.
What does National General RV insurance cover that's RV-specific?
The coverages a standard auto policy doesn't have: total loss replacement (a covered total loss on a newer RV is replaced with a comparable new unit, and later with the original purchase price rather than depreciated value), personal effects for your belongings inside, permanent attachment coverage for awnings and installed equipment, vacation liability while it's parked at a campsite, an emergency expense allowance for housing and travel if a breakdown strands you, and full-timer coverage for people who live in the RV.
There's also a storage option that suspends coverage while it's parked for the season.
What's the difference between recreational and full-timer RV coverage?
It comes down to how you use it. A recreational policy is for RVs used for vacations and trips, and it includes vacation liability while you're parked at a campsite. Full-timer coverage is for people who live in their RV — generally more than about six months of the year — and adds broader, home-like liability, medical payments and loss-assessment protection, similar to a homeowners policy.
If you live in your RV, a recreational policy's vacation liability won't respond, because it doesn't apply when the RV is your primary residence. Getting this classification right is the single most important RV coverage decision.
Can I save by putting my RV in storage for the winter?
Yes — that's the storage option, and it's one of the better values in RV insurance. When your RV is parked and not in use for part of the year, it suspends collision and liability so you're not paying a full premium for months it never leaves the lot, while keeping comprehensive so it's still protected against theft, hail and fire in storage.
Combining your RV with your auto on one policy also earns a multi-policy discount, and if your RV and auto are ever in the same covered accident, you pay only one deductible.
Is National General RV the same paper as Allstate, and whose rating applies?
National General has been an Allstate company since January 2021, and the US National General companies are members of Allstate Insurance Group. AM Best affirmed Allstate Insurance Group at a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of "aa-" (Superior) on August 28, 2025, with a stable outlook — that's the rating on your Arkansas RV policy.
A separate Bermuda entity, National General Insurance Ltd., is rated A (Excellent), a notch lower; don't confuse the two. Ratings change; the current one is at ambest.com.
How do I get a National General RV quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. Tell us the RV — class or trailer type, year, value, and how you use it (weekend trips versus living in it), plus whether it's stored part of the year. That's what sets the right coverages and the storage and bundle savings.
If you also own an ATV, boat or motorcycle, note that those run through our Allstate contract rather than National General, and we place both.
If our carrier and coverage guides are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas RVers find our local, plain-English explanations.
Tell us about the rig — we'll cover the whole thing.
Give us the RV: class or trailer type, year, value, and how you use it — weekend trips or living in it full-time — plus how many months it's parked. We'll write total loss replacement or agreed value, set your personal-effects and liability limits, get the recreational-vs-full-timer classification right, and set up the storage and auto-bundle savings. Then we'll run National General against our Allstate contract and 40-plus markets — and cover the ATV, boat or motorcycle through Allstate while we're at it.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not National General or Allstate, and this page is authored independently and is not endorsed, sponsored, reviewed, or approved by either. "National General," "Custom360," and "Allstate" are trademarks or service marks of Allstate Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. National General's Arkansas RV policies are underwritten by member companies of National General, an Allstate company. References to National General as an "RV specialist" describe the carrier's longstanding focus and are not a comparative claim against other insurers.
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. Coverages, limits, total-loss-replacement terms and model-year eligibility, personal-effects limits, full-timer eligibility, storage-option terms, discounts, and availability vary by RV type and use, by state, by policy, and over time, are set by the carrier, and are subject to underwriting review and approval (including any required inspection or photos) and to the terms, conditions, limits, and exclusions of the policy actually issued. Vacation liability generally does not apply when the RV is a primary residence; full-timer coverage is required for full-time use. Utility, cargo, horse and stationary trailers are generally not eligible for this RV product. ATV, boat and motorcycle coverage is placed through a separate carrier contract. If anything on this page conflicts with the issued policy, the policy controls.
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+ (Superior) rating referenced applies to the members of Allstate Insurance Group as affirmed by AM Best on August 28, 2025; National General Insurance Ltd. (Bermuda) is a separately rated entity carrying a different rating. If anything here conflicts with the issued policy, the policy controls.
Last reviewed July 2026.