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RV & motorhome insurance complaints

174 complaints against 23 RV insurers, from state insurance department records. The regulator found the company at fault in 13.2% of them.

These companies are not graded — here is why

Every A–F grade on this site divides a company's complaints by how much business it writes, so a giant and a small carrier can be compared honestly. Regulators publish that denominator for auto, home, health and life cover — but not for RV insurance. Ranking these companies by complaint count alone would rank them by size, which is exactly what the complaint index exists to avoid.

What the records do support is the outcome: of the complaints filed against a company, how often the department upheld them. That needs no denominator, and it is the column to read below.

174

Complaints on record

23

Found at fault

23

Companies

How often each RV insurer was found at fault

Highest first. Only companies with at least 12 complaints on record appear here — below that a percentage is noise. Rates are pulled toward the RV market average so a company with a dozen complaints cannot outrank one with two hundred.

# Company Complaints Found at fault Most common reason
1 National General Texas 14 21% 3 of 14 Cust Service Claim Handling; Unsatisfactory Settle/Offer
2 State Farm Texas 16 19% 3 of 16 Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer
3 Progressive Texas 65 12% 8 of 65 Cust Service Claim Handling; Denial Of Claim
4 Liberty Mutual Texas 17 0% 0 of 17 Cust Service Claim Handling; Delays (Claims Handling); Denial Of Claim
5 Home State County Mutual Insurance Company Texas 24 0% 0 of 24 Cust Service Claim Handling; Denial Of Claim

What RV insurance complaints are actually about

Reasons as recorded by the department on every RV complaint it closed.

Cust Service Claim Handling; Denial Of Claim 30
Denial Of Claim 23
Unsatisfactory Settle/Offer 19
Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer 18
Cust Service Claim Handling; Unsatisfactory Settle/Offer 17
Cust Service Claim Handling; Delays (Claims Handling) 17
Cust Service Claim Handling; Delays (Claims Handling); Denial Of Claim 9
Misrepresentation 4

Every company on record

Progressive 65 complaints 12% upheld
Home State County Mutual Insurance Company 24 complaints 0% upheld
Liberty Mutual 17 complaints 0% upheld
State Farm 16 complaints 19% upheld
National General 14 complaints 21% upheld
GEICO 8 complaints too few to rate
Farmers 6 complaints too few to rate
USAA 4 complaints too few to rate
Texas Farm Bureau Mutual Insurance Company 4 complaints too few to rate
American Family 2 complaints too few to rate
Allstate 2 complaints too few to rate
Texas Farm Bureau Underwriters 1 complaints too few to rate
Mobilitas Insurance Company 1 complaints too few to rate
Markel American Insurance Company 1 complaints too few to rate
Loya Insurance Company 1 complaints too few to rate
Infinity County Mutual Insurance Company 1 complaints too few to rate
Hochheim Prairie Casualty Insurance Company 1 complaints too few to rate
Germania Insurance Company 1 complaints too few to rate
Garrison Property And Casualty Insurance Company 1 complaints too few to rate
Encompass 1 complaints too few to rate
Colonial County Mutual Insurance Company 1 complaints too few to rate
Auto Club County Mutual Insurance Company 1 complaints too few to rate
Agricultural Workers Mutual Auto Insurance Company 1 complaints too few to rate

Where these figures come from

Figures cover 2024–2026. Grades are rebuilt when regulators publish new files.

Had a problem with a RV policy?

Complaints go to your state department of insurance, free of charge. A complaint the department upholds is exactly what appears in the figures on this page.

How to file a complaint →