It's a vehicle. And a house. Insure it like both.
How Nationwide's RV policy covers you on the road and at the campsite, the full-timer package that treats your rig like the home it is, and the valuation that protects a six-figure coach — from an independent agency that places Nationwide every day.
The short answer
Nationwide writes motorhomes and RVs in Arkansas through its Recreational Vehicle program, because an RV is two things at once — a vehicle you drive and a residence you live in — and a car policy only covers one of them. It includes Vacation Liability up to $10,000 at the campsite, a Full-Timers package of home-style coverages for people who live in their rig, and valuation options that protect coaches worth up to $800,000. The first question is always the same: part-timer, or full-timer?
A car policy covers half of it.
Your auto liability follows the RV while you're driving it. But the moment you park and set up camp, the RV stops being a vehicle and starts being a residence — and that's where a standard auto policy runs out of coverage.
Think about everything an RV is once it's stopped: a kitchen, a bathroom, an entertainment system, thousands of dollars of contents, an awning, and a patch of campsite where a guest can trip and get hurt. None of that is what an auto policy is built to protect. That's why RVs are written on a dedicated program — one that covers both the driving and the living.
The clearest example is Vacation Liability: Nationwide includes up to $10,000 (with higher limits available up to your bodily-injury limit) for injury or damage you're legally responsible for while the RV is parked and used as a temporary residence. Most RV liability incidents don't happen at 65 miles an hour — they happen at the campsite, which is exactly what this covers.
Part-timer, or full-timer?
This is the first and most important question on an RV quote, because it changes what the policy is fundamentally for.
You travel in it
- For trips, weekends, and seasons — you have a stick-built home too
- Vacation Liability up to $10,000 at the campsite
- Roadside included, with optional higher limits
- Trip interruption when you're more than 100 miles from home
- Replacement Cost Personal Effects available for your contents
You live in it
- The RV is your primary residence for much or all of the year
- Adds Personal Liability & Medical Payments while parked — the home coverage you'd otherwise be missing
- Storage Shed coverage for contents kept off the rig
- Loss Assessment up to $5,000 for RV-resort association charges
- Higher roadside limits and trip interruption at any distance
If you live in it and buy part-timer coverage, there's a hole where your home insurance used to be.
A full-timer without the Full-Timers package has no personal liability while parked, no medical payments for a guest, and no loss-assessment coverage if the RV resort's association bills the community after a covered event — the exact protections a homeowners policy would normally provide. Getting the timer status right isn't a formality; it's the difference between a complete policy and one with your home coverage missing.
The coverages built for RV life.
Roadside & Trip Interruption
Included with comp and collision, scaled by timer status. When you're stranded far from home, trip interruption helps with lodging, meals, and transport — more than 100 miles for part-timers, any distance for full-timers.
Custom Equipment
Covers permanently attached after-market equipment. The limit scales with the rig's value — $1,000 included, up to $5,000 on lower-value units, and as much as $50,000 on high-value coaches.
Awning Replacement
Optional for rigs two model years old or newer, covering the awning that a standard settlement often shortchanges. A small endorsement for a component that takes weather and wind.
Safety Glass
Repairs safety glass up to the cost of your comprehensive deductible at no cost to you; if the glass has to be replaced, a $100 deductible applies. Windshields on big coaches are not cheap.
Replacement Cost Personal Effects
For full- and part-time RVers, pays replacement cost on your belongings inside the rig rather than depreciated value — the contents coverage that makes an RV feel insured like a home.
Identity Theft
Reimburses expenses from a single identity-theft or fraud event during the policy period — a small add-on that shows up across Nationwide's whole lineup.
On a six-figure coach, this is the whole game.
An RV depreciates like a vehicle but costs like a home, so how the policy settles a total loss matters enormously. Nationwide gives you three answers.
- Total Loss Replacement Cost / Purchase Price. For a rig bought new within the past 13 months, a total loss can be settled with a new equivalent — through the fifth model year. After the fifth year, it pays the original purchase price rather than a depreciated value. (Note the RV window is longer than the auto one, which stops at three years.)
- Agreed Value. Pays the amount shown on your declarations if the RV is totaled, with no depreciation argument. It's required for vintage RVs.
- Custom Equipment scaling. The more the rig is worth, the more built-in and available custom-equipment coverage it carries — up to $50,000 on the highest-value coaches.
The window that closes quietly.
Replacement-cost valuation is only available for a limited time after purchase. If you bought your coach new recently, that's a reason to review the policy now rather than later — the most valuable settlement basis has an expiration date, and nobody sends a reminder.
Where the savings stack.
Nationwide's RV discounts reward bundling, membership, safety, and a clean record — several only if someone thinks to mention them.
Multi-Policy & Multi-Vehicle
Multi-Policy applies when the RV joins other Nationwide policies — auto, home, commercial, or other Powersports. Multi-Vehicle applies when you insure more than one recreational vehicle.
RV Association & Homeowner
Membership in an approved RV association earns a discount, and so does owning a home — including a farm — or a condo/townhouse, whether or not the home is with Nationwide.
Course, Passive Device & Anti-Theft
Completing an Accident Prevention Course earns a credit, as does a permanently installed engine or LP-gas fire-suppression system and a professionally installed theft-recovery device.
Good Driver, Prior & Claim-Free
Credits for all drivers having three years of clean history, for continuous prior coverage, and for staying claim-free at renewal. Advance Quote and Paid in Full apply too.
From weekend trailers to $800K coaches.
Nationwide's recreational-vehicle program covers a wide range of rigs — motorhomes up to $800,000 and travel trailers up to $500,000.
Towing a travel trailer instead of driving a coach?
Travel trailers are written under this same recreational-vehicle program, valued up to $500,000. The towable's liability generally extends from the vehicle towing it, but its physical damage — often the expensive part — needs its own coverage. Same program, same conversation.
A planning note, not a quote.
RV premiums swing on class and value, whether you're a part-timer or full-timer, mileage and storage, coverage selections, and driving history — so a single planning number would mislead more than help. This isn't a quote or a guarantee. What consistently moves the number in your favor is bundling the RV onto an auto or home account and stacking the association, safety, and multi-policy discounts, which is exactly the number we'll build with you.
Backed by an A (Excellent) carrier.
On November 7, 2025, AM Best affirmed the Financial Strength Rating of A (Excellent) for the members of the Nationwide Property and Casualty Group, stable outlook — the companies behind this coverage in Arkansas.
Where we earn it on an RV policy.
Three things decide whether an RV policy actually fits: the timer status (part-timer vs full-timer), the valuation basis on a high-value coach, and whether the campsite and contents coverages are set. We get those right at the quote. And because we're independent, if Nationwide's RV program isn't the best home for your rig, we place it with one of our 40-plus other markets instead.
The policies around this one.
Nationwide RV questions.
What's the difference between full-timer and part-timer coverage?
It's the single most important choice on an RV policy, because it decides whether the rig is treated as a vehicle you travel in or a home you live in. Part-timer coverage fits trips and weekends: Vacation Liability up to $10,000 while parked, plus roadside with trip interruption when you're more than 100 miles from home.
Full-timer coverage is for people who live in the RV for much or all of the year: it adds home-style protection — personal liability and medical payments while parked, storage-shed coverage, and loss assessment if an RV resort's association bills you after a covered loss — and gives you trip interruption at any distance. If you live in yours, part-timer coverage leaves a hole where your home insurance would normally be.
What is Vacation Liability?
It covers bodily injury or property damage you're legally responsible for while the RV is parked and used as a temporary residence — someone tripping at your campsite, for example. Nationwide includes up to $10,000 with comprehensive and collision, with higher limits available up to your bodily-injury limit.
Your auto liability follows the RV when you're driving; Vacation Liability is what covers you once you've parked and set up camp, which is exactly when most RV liability incidents happen.
How does Nationwide value my motorhome if it's totaled?
Three ways. Total Loss Replacement Cost pays for a new replacement RV of similar make and model — available for RVs bought new within the past 13 months, up to the fifth model year; after that it pays the original purchase price. Agreed Value pays the amount shown on your declarations and is required for vintage RVs. And Custom Equipment coverage scales with value, up to $50,000 on high-value coaches.
On a six-figure motorhome, the valuation basis is the most consequential decision on the policy, and it's set at the quote.
What RVs can Nationwide insure?
Motorhomes valued up to $800,000, including Class A, B, C and Super C coaches, professional bus conversions, toterhomes, and off-road motorhomes; vintage motorhomes over 25 model years old can be insured with underwriting approval. Travel trailers are eligible too, valued up to $500,000, under the same program. If it sleeps, cooks, and rolls, it's worth a quote.
Does my auto policy already cover a motorhome in Arkansas?
A self-propelled motorhome is a titled, registered vehicle, so it needs its own liability — Arkansas's 25/50/25 minimum applies as it would to a car — but a standard auto policy isn't built for the residence side: the appliances, the awning, the contents, the campsite liability, and the full-timer exposures.
That's why RVs are written on a dedicated program. A towable travel trailer's liability generally extends from the vehicle towing it, but its physical damage — often the expensive part — needs its own coverage. Don't assume the auto policy has it handled.
How do I get a Nationwide RV quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. Tell us whether you're a part-timer or full-timer, the rig's value and age, and what's already on your account — bundling earns a multi-policy discount, and there are credits for RV-association membership, safety courses, and passive safety devices.
If you bought the coach new recently, ask specifically about replacement-cost valuation before that window closes.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas RVers can find our local explanations.
Nationwide is one of 40+ carriers we represent.
Which means we can tell you honestly whether Nationwide's RV program is the right home for your rig — or whether one of our other markets fits better. Tell us the coach or trailer, whether you're a part-timer or full-timer, and what's on your account, and we'll set the timer status, the valuation basis, and the campsite and contents coverages so nothing's missing when you're 300 miles from home. If a different carrier fits the rig better, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Nationwide, and this page is not endorsed, sponsored, reviewed, or approved by Nationwide. "Nationwide," "Nationwide is on your side," and "On Your Side" are service marks of Nationwide Mutual Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Nationwide's Arkansas recreational-vehicle policies are issued by Nationwide-affiliated underwriting companies.
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. Coverage, endorsements, valuation options, full-timer and part-timer terms, eligibility, program terms and availability vary by state, by policy, 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. Vacation Liability, Full-Timers package coverages, roadside, custom equipment, awning, safety glass, replacement cost and agreed value features are subject to coverage requirements, limits, deductibles, and state availability. 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 (Excellent) rating referenced applies to the members of the Nationwide Property and Casualty Group. Statements about Arkansas law are general information, not legal advice.
Last reviewed July 2026.