Enjoy the road trips in your recreational vehicle with RV insurance.
Goes beyond what auto insurance can provide for your RV.
At first glance, you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the RV and motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile. Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. RV insurance can help make owning a recreational vehicle a safe and rewarding experience.
What does RV insurance cover?
Coverage for your recreational vehicle or motorhome may vary depending on where you travel, what kind of RV you have, as well as your driving history. For example, windshield coverage is essential with a camper, given both the significant costs of fitting such a large sheet of glass and the fact that you’ll often need a replacement from a specialized supplier. Coverage may also include enhanced coverage for your personal possessions, meaning you can relax when taking those extra creature comforts and gadgets on a trip in your RV. Additionally, consider a policy that covers theft as well as damage in a collision or fire. Here are some other coverage options to consider:
- Attached Accessories
- Personal Belongings
- Replacement Cost
- Towing/Roadside Assistance
- Uninsured/Underinsured Motorists
- Vacation Liability
Policy options that help prepare you for unexpected situations.
While most insurance has limits on individual items, RV insurance policies often include a specific allowance for awnings and gas bottles, both of which can be particularly expensive to replace. When considering insurance, it’s worth looking for policies that offer rental cars and/or accommodation if your RV is put out of action during a trip, removing that extra worry.
Have questions about insuring your RV? Contact us, we’ll walk you through the coverage options for your recreational vehicle.
RV Insurance FAQ
Does my auto insurance cover my RV?
Personal auto insurance generally falls short for an RV. Some insurers won’t let you add an RV to an auto policy at all. A motorhome is part vehicle and part living space, so a policy built for RVs tends to fit better. Your agent can walk through where an auto policy ends and an RV policy begins.
Is RV insurance required by law?
It depends on the type of RV. In most states, a motorhome must carry at least the state’s minimum liability coverage, just like a car. Towables, such as travel trailers and fifth wheels, are often treated differently because liability may extend beyond the tow vehicle’s auto policy. Financing changes things, though. Like auto insurance, a lender may require comprehensive and collision coverage until the RV is paid off.
What does vacation liability cover when my RV is parked at a campsite?
Vacation liability can cover claims against you while your RV is parked and being used for recreation. Think of a visitor who isn’t family getting hurt at your campsite. It’s usually built for occasional, short-term stays rather than living in the RV.
Do I need different insurance if I live in my RV full-time?
If you live in your RV full-time, you’ll usually need a full-timer policy rather than a standard recreational one. Standard policies are built for vacations and weekend trips. A full-timer policy adds homeowners-style protections, such as year-round personal liability and expanded coverage for belongings. Carriers set their own eligibility rules, often tied to how much of the year you live in the RV.
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