RV Insurance

What Is RV Insurance?

RV insurance protects your recreational vehicle whether you own a motorhome, travel trailer, fifth wheel, or camper. It combines elements of auto and homeowners insurance to cover your vehicle, living space, personal belongings, and liability while you travel.

Why You Need RV Insurance

• Required by law for motorized RVs and by lenders for financed vehicles
• Protects your substantial investment in your RV
• Covers liability for accidents and injuries you cause
• Replaces personal belongings inside your RV if damaged or stolen
• Provides emergency expense coverage when you're traveling

Common Coverages

Collision and comprehensive coverage protects your RV from accidents, weather damage, theft, and vandalism. Liability coverage pays for injuries and property damage you cause. Personal belongings coverage protects items inside your RV. Emergency expense coverage pays for lodging if your RV becomes uninhabitable during a trip. Vacation liability coverage protects you when parked at a campsite. Roadside assistance provides towing and emergency help.

How Is RV Insurance Different From Auto Insurance?

RV insurance includes coverages for your living space and personal belongings, similar to homeowners insurance. It also accounts for the unique risks of RV travel and recreational use. Full-timer policies are available if you live in your RV year-round.