Having RV insurance on your motorhome is a legal requirement in most states.
On your hunt for insurance, you may have found Roamly.
Roamly is a new RV insurance company started by RV owners, for RV owners.
But are they worth buying insurance from?
After having them for ourselves, we think so – let us tell you why.
Table of Contents
- Who Is Roamly?
- What Makes Roamly Unique?
- Roamly Insurance Review: 4.5/5
- Roamly Contact Information
- Final Thoughts
Who Is Roamly?
Roamly is an insurance company that specializes in RV insurance.
This means they aren’t split among many types of insurance and can give you excellent specialized attention.
Roamly was founded by the same team that started Outdoorsy.
They are a team of RV owners who created an insurance agency out of frustration with traditional RV insurance companies.
What Makes Roamly Unique?
Being a sister company to Outdoorsy (an RV rental company), Roamly was created to solve the problem of no-rental restrictions.
Traditional RV insurance companies don’t allow you to rent your RV to others and will drop you if they find out you’re doing so.
It’s in their fine print as a “commercial exclusion clause”.
So if you want to rent out your RV and make money from it, Roamly won’t drop your insurance coverage. They allow renting your RV!
Roamly also covers conversion vans.
Did you know that most RV insurance companies won’t cover DIY van conversions?
So if you built your camper yourself, you’re going to have a hard time getting solid coverage on it.
Not with Roamly – they are one of the few insurance options that can cover self-built campers.
All you need is an appraisal of your van, and a few things built-in, including:
- A fridge
- A sink or toilet with running water
- A bed
- A cooking area
Finally, Roamly offers full-time RV insurance.
If you live in your RV as a permanent residence, Roamly is one of the few RV insurance companies that can offer you full–time RV coverage.
This means that you can live and travel in your camper full-time with the confidence that your insurance will cover you anywhere.
Read our guide to full-time RV insurance here for more information.
Roamly Insurance Review: 4.5/5
We bought a Roamly insurance policy for ourselves to see if they stand up to the hype.
We purchased a comprehensive plan with full personal liability coverage, roadside assistance, and medical payments.
It also came with vacation liability and a low deductible.
Let’s break down the coverage benefits, cost, and customer service we received:
Insurance Coverage & Benefits: 5/5
Roamly offers different types of insurance for different people.
If you use your motorhome for occasional trips — as opposed to living in yours for more than 6 months of the year — you’ll just need a standard personal RV policy.
Here’s what they typically look like:
Liability Protection
There are 2 types of liability insurance.
- Property damage liability covers the other person if you’re found at-fault for damaging their property (vehicle, fence, garage door, etc.).
- Bodily injury liability covers the other person if you’re found at-fault for their injury — be it a driver or pedestrian.
Note that liability protection is required by law 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, medical payments will foot your medical bills for you or your passengers.
Uninsured/Underinsured Motorist Coverage
If an at-fault driver doesn’t have enough insurance (or no insurance), this will cover your repairs or medical bills.
Roadside Assistance
If your RV can’t run, roadside assistance is will help with towing, fuel delivery, jumpstarts, and more.
Roof Repair
If anything happens to your RV’s roof (which is fairly common), Roamly can offer roof repair to cover the full cost of replacing your roof.
Rodents Protection
Should anything happen with rodents like mice or raccoons, this will pay for the damages (such as chewing wires).
Check out our guide to keeping mice out of your camper to stave off the pests!
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.
Read our comprehensive guide to full-time RV insurance for more info.
Coverage for RV Owners Renting Out Their RV
Many traditional RV insurers, like Good Sam, 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.*
*Note that your regular RV insurance policy doesn’t cover your RV during the rental period. Outdoorsy, other RV rental websites, and consignors will have separate insurance to cover your renters during the rental period.
Commercial RV Insurance
If you rent out three or more RVs regularly, you can get a commercial policy.
A commercial policy covers all the associated risks with running an RV rental business.
Roamly lowers rates by only insuring the time between rentals since your customers pay for their own 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.
RVs Covered
Roamly can quote insurance policies for any type of camper, including:
- Travel trailers
- Motorhomes
- Pop up campers
- Fifth wheels
- Campervans
- And more
Roamly Costs & Discounts: 4/5
Roamly doesn’t offer the absolute cheapest RV insurance available.
But, their rates are highly competitive and can be cheaper than companies like Good Sam or National General if you also rent your RV through Outdoorsy!
Roamly offers various discounts so you can save on your policies:
- Rent & Save Discount: this discount applies on renewal (Year 2), and provides up to a 25% discount on premium based on how much they rented out their rig on Outdoorsy the previous year. The more they rent it out on Outdoorsy, the larger the discount in premium!
- Outdoorsy Discount: If the RV owner has their RV listed on Outdoorsy, or plans to list within 30 days of purchasing a Roamly policy, they’ll qualify for this discount
- Membership and Affinity Discounts: in most states, we can also provide a discount if the RV owner is a member of select RV-associated memberships, such as but not limited to, KOA, Thousand Trails, Escapees, Harvest Hosts, FMCA, RVillage, and some other manufacturers clubs
- Good Driver Discount: If you have a good driving record (few to no claims on your insurance), you can qualify for this.
- Long-Term Coverage Discount: If you’ve had auto insurance for the past 6 months without a lapse in coverage, you can get a lower premium.
- Previous RV Experience Discount: If you can prove that you’ve previously driven and used an RV, Roamly may be able to lower your rates.
Depending on what state you live in, there may be additional discount opportunities. Ask Roamly about discounts when you get a quote from them.
Read our guide to RV insurance costs for more information on current rates.
Customer Support: 5/5
Every time we’ve called Roamly’s customer support team, we’ve had a great experience. They answered all our questions and even told us about things we didn’t know to ask about.
Plus, their service team is US-based, so you never have to worry about getting someone who speaks poor English.
Overall, we think Roamly’s customer service rocks.
Roamly Contact Information
If you need to contact Roamly for any reason, here is their contact information:
- Phone: 877-725-1245
- Email: service@roamly.com
- Social Media: You can find them on Facebook, Twitter, and Instagram.
Final Thoughts
Roamly is an insurance company made by RVers, for RVers. They have excellent customer service, competitive pricing, and coverage options that no other RV insurer offers.
While they may offer home insurance and auto insurance in the future, right now their agents specialize in RVs, which means better services for you.
Overall, they are a fantastic company and I will be sticking with them for our coverage for the foreseeable future!
