RV insurance provides protection if you cause injuries or damages to others, and can also cover the cost of damages to your vehicle if a covered incident occurs. You can choose from a variety of coverages that will differ depending on how you use your vehicle — recreationally or as a full-time residence. Coverages will also vary depending on how the vehicle is operated — if you’re driving a motorhome, for example, you’ll need separate liability coverage to stay on the road, but if you’re pulling a travel trailer, you will not need separate liability insurance because it's transferred from your auto insurance policy while towing your travel trailer.
RV insurance can cover many different types of vehicles, including:
If you damage your RV or cause injuries to someone else (and/or their property), you can file a claim with your insurance provider. Depending on the incident that occurred, your insurer may pay for the losses or injuries up to your coverage amount.
There are some differences between RV insurance and traditional auto insurance. When you buy RV insurance, your insurer or agent will ask simple questions about you, your RV, and how often you use it. You'll then select coverages to best protect you and your vehicle. Options include liability, collision, comprehensive, uninsured/underinsured motorist, and even RV towing insurance. Generally, more coverage means a higher insurance premium.
The most important aspects of your RV insurance policy will be determined by how you use the RV. If you’re using it as a true recreational vehicle on an occasional basis, then your premium may be much lower than someone who lives in the RV full-time. It’s important to note that if your RV is a travel trailer towed by another vehicle, liability will be covered by your auto policy since the travel trailer is not a motorized vehicle. The following are standard coverages with most RV and motorized home policies: