roamly rv insurance is the specialty product line from Roamly, the insurtech arm of Austin-based Outdoorsy Group. Roamly was built by RV people, not car people. It launched to solve one specific problem. Nearly every standard RV policy contains a rental exclusion. Rent your rig out once, and your carrier can void the claim. Roamly strips that exclusion out. As a result, owners can list on Outdoorsy or RVshare without losing protection. The company now writes coverage in 49 states, with Hawaii the lone holdout, and expanded into Canada in 2025. If you own a motorhome, travel trailer, or a DIY van build, roamly rv insurance deserves a quote.
Roamly RV Insurance Coverage Options
The core policy looks like standard RV coverage. You get bodily injury and property damage liability, collision, and comprehensive. Uninsured and underinsured motorist coverage is available. So is medical payments. However, the RV-specific endorsements are where roamly rv insurance earns its keep. Vacation liability protects you when the rig is parked and being used as a temporary residence. Personal effects coverage insures the gear inside, from camp chairs to solar controllers. Safety glass replacement covers the enormous windshield on a Class A. Towing and labor coverage is written for RV weight, not sedan weight.
Full-timers get a dedicated package. It adds homeowners-style protection when the RV is your primary residence. That bundle typically includes full-timer liability, medical payments to others, storage coverage, and loss assessment for campground associations. For example, if a guest trips on your patio mat at a long-term site, full-timer liability responds. Standard recreational policies often will not.
Total-loss valuation is flexible. Agreed Value locks in a number upfront with no depreciation applied. Purchase Price coverage pays up to 120% of what you originally paid on newer units. Custom-build owners can schedule aftermarket work. Lithium banks, rooftop solar, and interior conversions can be insured to actual cost. Roadside assistance is sold separately. Plans start near $150 per year for towables and fifth wheels. They cover towing, flat tires, fuel delivery, lockouts, trip interruption, and food spoilage.
Roamly Discounts Available
Roamly advertises savings of up to 35% versus traditional carriers. That figure comes largely from specialization. Roamly shops your risk across underwriters including Spinnaker, Progressive, Safeco, Allstate, Foremost, National General, and Mobilitas. In most cases, the best price wins the placement. The rental-income angle also helps. Owners who rent their rigs can offset a large share of the premium, which is why roamly rv insurance is popular with peer-to-peer hosts.
A military and veterans discount is available. It stacks on top of the standard switching savings. Other common credits mirror the RV market: multi-vehicle, paid-in-full, claims-free history, and storage or lay-up periods for seasonal owners. Anti-theft devices and GPS trackers can also earn a credit. Bundling matters too. Roamly writes boats, motorcycles, ATVs, and trailers, so a multi-toy household can consolidate.
One caveat. Because roamly rv insurance is placed through several carriers, the exact discount menu depends on which underwriter takes your policy. A Spinnaker placement in Colorado will not have identical credits to a Foremost placement in Pennsylvania. Ask the agent to list the applied discounts in writing before you bind.
Roamly RV Insurance Customer Ratings and Satisfaction
Third-party ratings require context here. Roamly is a licensed agency and MGA, not a balance-sheet carrier. As a result, it carries no AM Best financial strength rating of its own. It also does not appear in the J.D. Power auto or specialty vehicle satisfaction studies. There is no NAIC complaint ratio for Roamly either, because complaint index data tracks underwriters. Shoppers should instead check the carrier named on the declarations page. Progressive and Allstate, two frequent Roamly underwriters, both hold A+ (Superior) financial strength ratings from AM Best.
Direct customer feedback is strong on the sales side. Roamly holds roughly 4.7 out of 5 on Trustpilot across more than 1,100 reviews. The Better Business Bureau grades the company A+, though Roamly is not BBB accredited and has left five complaints unanswered.
Claims tell a more mixed story. Roamly accepts claims by phone, email, and web form, and states a representative will make contact within one business day. However, a visible share of negative reviews describe slow claim handling and long silences after a loss. Several owners also report renewal increases of 30% to 50% year over year. Typically, that reflects the underwriter repricing, not Roamly, but the owner still pays it.
Roamly Pros and Cons
Pros:
- No rental exclusion — you can rent on Outdoorsy without notifying Roamly or paying a rental surcharge, and normal coverage resumes automatically
- Genuine full-timer package with liability, medical, storage, and loss assessment for year-round RV living
- Agreed Value or Purchase Price up to 120%, plus scheduled coverage for custom van builds and aftermarket solar or lithium
Cons:
- Claims complaints are the dominant negative theme, with owners reporting months-long delays despite the one-business-day contact promise
- No AM Best, J.D. Power, or NAIC rating for Roamly itself, so you must vet the underlying underwriter separately
- Not available in Hawaii, roadside assistance costs extra from about $150 per year, and there is no full-featured mobile app — service runs through the web portal and live chat
Who Should Choose Roamly RV Insurance?
Rental hosts are the clearest fit. If you list your rig on a peer-to-peer platform, roamly rv insurance removes the single biggest coverage landmine in the category. Standard personal RV policies treat rental as a commercial use and deny the claim. Roamly does not.
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Full-time RVers are the second group. Your rig is your house, so you need liability and loss assessment that a recreational policy will not provide. Custom van and skoolie owners are the third. Conversions are hard to place, and roamly rv insurance will schedule the build value that mass-market carriers refuse to touch.
Who should look elsewhere? Owners who prioritize claims-handling reputation above price. If your rig never leaves your control and you want a single carrier with a published NAIC complaint index, a direct writer may suit you better. For budgeting, expect roughly $300 to $600 a year on a travel trailer, $500 to $1,500 on a Class B, and $1,000 to $4,000-plus on a Class A. Full-timers typically land at $1,500 to $4,000-plus. Get at least two competing quotes.
Frequently Asked Questions
Does Roamly really let me rent out my RV?
Yes. Roamly policies are written without the standard rental exclusion. You do not need to notify Roamly before each rental or pay a per-rental fee.
Is Roamly an insurance company or a broker?
Roamly is an insurtech agency and MGA. Policies are underwritten by carriers such as Spinnaker, Progressive, Safeco, Allstate, Foremost, and National General. Always confirm which carrier holds your policy.
What states does Roamly cover in 2026?
Roamly quotes RV coverage in 49 states plus Washington, D.C., with Hawaii excluded. It also operates in Canada following its 2025 Canadian Access acquisition and Aviva partnership. Availability of specific endorsements still varies by state.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed July 2026. If you notice any outdated information, please contact us.