Recreational Vehicle Insurance

Protecting Your RV, Wherever the Road Takes You.

You purchased your recreational vehicle for fun and pleasure, but an accident or unforeseen event could change that if you are properly insured. Recreational Vehicle (RV) insurance offers a wide range of coverage designed to protect you legally and financially if you are involved in an accident or your RV is damaged as a result of fire, theft, vandalism, or other covered perils. RV insurance may also protect you if you incur medical expenses resulting from an accident in your RV.

Why do I Need Recreational Vehicle Insurance

In some states, to operate a recreational vehicle you must carry:

  • Liability coverage to pay for losses you cause others.
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from an accident, regardless of fault.
  • Both coverages: Liability and No-fault.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they may cause others. Having insurance is the simplest way for most people to comply. Coverage for RV damage usually is necessary to finance a vehicle.

Recreational Vehicle Comprehensive Coverage

Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or “act of God.” Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive vehicle insurance. Like auto collision insurance, comprehensive coverage will pay up to the fair market value of your vehicle (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your RV is financed.

Recreational Vehicle Collision Coverage

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are “at fault.” A standard collision RV insurance policy will pay for any repairs up to the fair market value of your vehicle. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision policy will cost.