Recreational Vehicle Insurance

What is RV Insurance?

RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more.

Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.

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Liability Insurance for Recreational Vehicles

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance.

This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Recreational Vehicle Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

Bodily injury liability - for injuries the policyholder causes to someone else.
Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
Property damage liability - for damage the policyholder causes to someone else’s property.
Collision - for damage to the policyholder’s car from a collision.
Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
Contents Coverage - Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.