Question 1

At what point do I need a commercial RV insurance policy?

Accepted Answer

Wondering if you need commercial insurance? If you answer yes to any of the questions below, then your current personal insurance is likely no longer covering you and you'll need a commercial policy (like the kind that Roamly offers for up to 25% less): 
 -Do you currently have a rental business website? -Do you rent out 3 or more RVs on a regular basis? -Do you store your RV at your business location? -Do you manage vehicles that have been consigned to you? -Do you have business partners and/or employees operating your vehicles? -Do you use your vehicles for business purposes (i.e. deliveries, trade shows)? 
 Renting out more than one RV has its challenges, but insurance shouldn’t be one of them. That’s why Roamly offers smart commercial RV insurance specifically designed to cover your growing business. It also helps you save. 
 With Roamly, you only pay for commercial coverage for the time outside of the rental period. Why should you pay for commercial-level coverage during your rentals when Outdoorsy and Wheelbase Pro insurance already cover rentals?* Roamly helps you only pay for the commercial insurance you need because we partner with Outdoorsy and Wheelbase Pro to know when your RVs are rented. It’s smarter insurance that helps you save. To see for yourself, start your free quote. 
 *While your RVs are rented out on Outdoorsy or Wheelbase Pro, you can enjoy the peace of mind in knowing your RVs are protected against physical damage up to its cash value. As an owner, you’re also covered with $1 million in liability insurance protection. To learn more about insurance through Outdoorsy insurance. 
If you're looking for insurance for your renters, it's easy to get through our partners Outdoorsy and Wheelbase Pro (for fleets).

Question 2

How do I get RV insurance through Roamly?

Accepted Answer

It’s easy to get better RV insurance through Roamly. Start by answering a few simple questions online at Roamly.com, like how many vehicles you want to cover. There aren’t too many questions, we promise. After completing these questions you’ll see an initial online insurance quote. Then one of our friendly US-based agents will want to confirm details over the phone to ensure you get the best coverage and price for your needs. After receiving a final quote from your dedicated agent, they’ll help you quickly complete the purchase of your new policy (insurance people call it ‘binding’). Once finalized, you’ll conveniently receive your official policy documents via email so you can be off and running.

Question 3

Does Roamly offer full timer insurance?

Accepted Answer

Unlike many insurance companies, Roamly offers full time insurance. Eligibility includes full-timer, primary residence, and stationary travel trailers (in and out of park). Some of us here at Roamly have been full time RVers ourselves, so we know first-hand how important it is to have the right insurance when you go full-time.  
To get your quote for full time RV insurance, start by answering a few simple questions at Roamly. You can then schedule an appointment with one of our licensed agents to review the best full-time options for your needs.

Question 4

Does Roamly cover renters during the rental period?

Accepted Answer

At this time Roamly's personal RV policies do two amazing things: they offer excellent insurance for RV owners for your everyday use (not during the rental period), and they also allow you to rent out your RVs without the fear of having your coverage dropped for renting. Pretty good, right? 
 But what about insurance for renters during the rental period? 
 If you choose to rent out less than five RVs, the easiest way to offer RV insurance for your renters is through our friends at Outdoorsy. Through Outdoorsy, renters purchase one of the insurance protection packages that covers them during their rental. Outdoorsy make the process easy and convenient, including verifying the renters before you exchange keys so you get peace of mind. 
If you plan to rent out five or more RVs as more of a full-fledged rental business, then it may be easiest to sign up for Wheelbase Pro. It's a free online rental management tool through which you can offer insurance to your renters that they pay for. The insurance packages and convenient process are similar to Outdoorsy's. Another benefit of Wheelbase Pro is that it allows you to accept direct bookings from renters.

Question 5

What is Roamly?

Accepted Answer

We’re glad you asked! Roamly is an insurance company that specializes in RV insurance. In fact, we’re RV owners and enthusiasts just like you. And we’ve perfected RV insurance that’s safer, simpler, and that uniquely allows you to rent your rig on sharing platforms, like Outdoorsy.  
 Roamly offers better coverage at lower rates. We do that by leaving out the coverages you don’t need. So whether you need a personal policy for a single camper, or a commercial policy for a fleet of motorhomes, Roamly has you covered. 
Unlike many other insurance companies, our support team is in-house and US-based to give you the best service. They’re also extremely fun to speak with.

Question 6

What type of coverage do you offer?

Accepted Answer

Most RV insurance companies offer specific types of coverage for specific types of RVs — for specific types of RV owners. Yeesh. But Roamly’s different. We offer all types of RV insurance!  
 Check it out. RV insurance for the Weekend Warrior If you use your motorhome for special trips — as opposed to living in yours for more than 6 months of the year —  a standard personal RV policy is right up your alley. Here’s what they typically look like.  Liability protection There are 2 types of liability insurance.  
 1. Property damage liability covers the other person if you’re found at-fault for damaging their property (vehicle, fence, garage door, etc.).  
 2. Bodily injury liability covers the other person if you’re found at-fault for their injury — be it a driver or pedestrian.  
 Also note, liability protection is required in pretty much every state.  
 Comprehensive coverage Comprehensive covers damage to your RV that’s non-collision-related. Things like hail, theft, and vandalism.  Collision coverage This helps pay for repairs to your RV if it collides with another vehicle or object. And that’s regardless of fault.  
 Medical payments coverage If you’re in an accident, this one will foot your medical bills for you or passengers. 
 Uninsured/underinsured motorist coverage These step in if an at-fault driver doesn’t have enough insurance (or no insurance) to cover your repairs or medical bills. 
 Roadside assistance  If your RV’s kaput, roadside assistance is there with tows, fuel delivery, jumpstarts, and more.  
 Full-time motorhome insurance Roamly offers a specialized policy for those who live in their motorhome at least 6 months out of the year. Full-time RV insurance coverage includes all the above, plus:  Loss assessment for HOA fees Emergency expense coverage for temporary housing if your RV isn’t liveable after a covered incident Adjacent structures coverage for any stand-alone structures on your site (porches, carports, decks) Debris removal to clear out rubble after a covered incident     
 Coverage for RV owners renting out their RV Many RV insurers drop your policy altogether if you rent out your motorhome or camper. Not Roamly. If you’re renting your RV on sites like Outdoorsy, you’ll still be covered by your Roamly policy.  
 Commercial RV insurance  If you rent out three or more RVs regularly, consider a commercial policy. It covers all the associated risks with running a business. Roamly lowers rates by only insuring the time between rentals, since your customers pay for insurance during the rental period.  Plus, Wheelbase Pro and Outdoorsy offer built-in insurance during the rental period — at no added cost. That way, you’re financially protected front to back.

Question 7

Can I rent my RV on rental marketplaces like Outdoorsy?

Accepted Answer

Yes! With Roamly commercial and personal policies you can safely rent your RV on marketplaces like Outdoorsy without losing coverage or worrying about loopholes. And with Outdoorsy’s extra rental-period insurance, your RV stays covered from start to finish with no gaps or extra costs you don’t need. Welcome to a better world of RV insurance.

Question 8

Can I change insurance companies before my renewal date?

Accepted Answer

Absolutely. You can switch insurance companies at any time—even if you just renewed your policy with another insurance company. And when you cancel with an insurer, you get a refund for the money you paid in advance. And if you canceled to switch to Roamly, your life just got a lot easier.

Insurance 101

Answers to common RV insurance questions

Insurance

Renting your RV