Roamly Insurance Group
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Roamly Insurance Group, LLC is a digital, specialty program/MGA platform focused on RV and recreational risks, distributing primarily direct-to-consumer and via affiliated platforms such as Outdoorsy. It does not appear to publish a traditional producer-facing underwriting or appetite guide; policies are underwritten and issued by partner insurers, with applications subject to underwriting review and approval. Accordingly, the following reflects operational observations from Roamly’s own materials and public information, not a binding carrier rule set. PREFERRED / TARGET BUSINESS - U.S.-domiciled recreational vehicle owners seeking standalone RV coverage, including: - Motorhomes (Class A, B, C) - Towable RVs (travel trailers, fifth wheels, truck campers, campervans and similar units treated as RVs if they meet RV criteria such as sleeping, cooking, and sanitary facilities). ([roamly.com](https://www.roamly.com/learning-center/personal-rv-insurance?utm_source=openai)) - Customers using RVs primarily for personal and recreational use, including occasional peer‑to‑peer rentals via platforms like Outdoorsy where Roamly structures policies to remain in force during rentals. - Full‑time RVers (6+ months/year in the RV) needing homeowner‑style liability and personal property protections through full‑timer forms. ([roamly.com](https://www.roamly.com/learning-center/types-of-rv-insurance-plans?utm_source=openai)) - Risks in U.S. states where Roamly indicates it is currently selling insurance; applications proceed through the Roamly website workflow and are completed with an agent. ([roamly.ai](https://www.roamly.ai/terms/terms-of-use?utm_source=openai)) PRODUCT / COVERAGE NOTES - Personal RV policies built for: - Liability, collision, and comprehensive coverage on RVs and motorhomes. - Options for rental‑friendly coverage that explicitly permits income‑generating rentals via certain platforms rather than excluding them. - Optional full‑timer packages for RV residents. - Roamly markets that owners can rent out their RV under personal policies (subject to specific program underwriting), and that some DIY/self‑built campervans can qualify as RVs if they have at least a bed, a way to cook, and sanitary facilities; these points are marketing and agent representations, not formal filed rules. ([roamly.com](https://www.roamly.com/learning-center/choosing-right-rv-insurance-for-your-rig-type?utm_source=openai)) - Weather trip‑protection product (Roamly Weather Coverage) was available as an add‑on for U.S. Outdoorsy bookings but was discontinued for purchase with Outdoorsy reservations as of July 2025. Existing information emphasizes U.S. availability only and NOAA‑based triggers for rain‑related reimbursement. ([support.outdoorsy.com](https://support.outdoorsy.com/hc/en-us/articles/37915530975003-What-is-Roamly-Weather-Coverage?utm_source=openai)) - Roamly describes a broader specialty suite beyond RVs that includes marine, motorcycle, ATV/UTV, pet, and other recreational products, often delivered through partner carriers’ paper while Roamly provides distribution and customer experience. ([rvusa.roamly.com](https://rvusa.roamly.com/learning-center?utm_source=openai)) RESTRICTED / DECLINED BUSINESS (INFERRED) Roamly does not publish explicit declined‑risk lists. Based on product positioning and external commentary, the following should be treated as likely sensitive or non‑target segments and escalated to underwriting via the issuer carrier: - Commercial RV fleet operations or formal rental businesses (e.g., fleets of 3+ RVs) where commercial auto policies are typically required; Roamly’s own content differentiates personal vs. commercial coverage here. - Non‑U.S. risks or operators based outside U.S. states where Roamly is currently selling insurance; its terms of use explicitly limit availability by state, and Canadian or other foreign risks would generally fall outside scope. ([roamly.ai](https://www.roamly.ai/terms/terms-of-use?utm_source=openai)) - Non‑RV vehicle types being used as permanent residences or for commercial hauling that do not meet Roamly or the underlying carrier’s definition of an insurable RV. - Any use that conflicts with the underlying carrier’s private passenger/RV underwriting (e.g., certain high‑loss territories, substantial prior losses, severe violations), as policies are ultimately subject to that carrier’s rules. GEOGRAPHIC NOTES - Roamly’s terms state the website services are not represented as appropriate outside the states where Roamly is currently selling insurance; eligibility is therefore state‑specific within the U.S. - Public announcements highlight expansion of specialty offerings in Florida and suggest a focus on key recreational states; however, there is no published, exhaustive state eligibility grid. Market participants should verify state availability at point of quote. ([roamly.ai](https://www.roamly.ai/terms/terms-of-use?utm_source=openai)) SUBMISSION & UNDERWRITING PROCESS - All applications are subject to underwriting review and approval. Roamly is positioned as a managing general agency/producer that routes risks to partner insurers; rating, eligibility, and forms follow the issuing carrier’s filed rules. - Prospects typically begin via an online quote request at Roamly.com; quotes are finalized after completion of an intake questionnaire and contact with a Roamly agent, rather than instant bind on the site alone. ([money.com](https://money.com/roamly-rv-insurance-review/?utm_source=openai)) - For rental‑related and DIY conversion risks, additional detail on build features, usage pattern, and valuation may be requested by the agent or underlying carrier before binding. BROKER / PRODUCER INSTRUCTIONS - Roamly’s model is primarily digital direct and partner‑platform distribution; there is no widely published independent‑agent appointment or producer‑guide page specific to Roamly. Terms of use describe Roamly broadly as the provider of online services and clarify that insurance applications submitted through the site are subject to underwriting approval. - External industry commentary characterizes Roamly as an agent or MGA that places business with underlying insurers rather than a traditional admitted carrier accessible through open brokerage. Retail agents generally treat Roamly as a niche market accessed through its platform or specific partnerships, not as an open‑appointment carrier. OPERATIONAL TAKEAWAYS - Treat Roamly as a specialized front‑end/program for RV and recreational lines, not as a conventional carrier with public UW manuals. - Target U.S. personal‑lines RV owners (including some full‑timers and occasional rental activity) in states where Roamly is actively writing, with standard‑to‑moderate risk profiles. - For appetite edge cases (DIY builds, extensive rentals, non‑standard garaging, non‑U.S. exposure), expect case‑by‑case underwriting by the issuing carrier; gather detailed build specs, usage, and state of registration before submission. - Because Roamly does not publish a producer appetite guide, always defer to the policy‑issuing insurer’s filed RV/auto/rec specialty guidelines for final eligibility and pricing.