Recreational vehicle insurance typically only applies to motorized units, but some insurers also offer coverage to travel trailers, campers, and fifth-wheels.
An RV is a home away from home, and often contains valuable personal items that need to be protected against loss and theft. RV insurance keeps you covered when you’re driving, just like auto insurance. It also protects all of the personal items inside your RV, just like home insurance. RV insurance can be purchased to protect against any damages to your RV, whether you’re on the highway or parked in a campground.
Different amounts of coverage are available, but a good recreational vehicle insurance policy should offer you the following types of coverage:
Protects you if you cause a crash that damages someone’s property or injures another person;
Collision helps cover the cost of repairs if you run into something like a fence or a building;
Helps cover your costs if an animal, falling object, or natural disaster damages your RV. Comprehensive also covers vandalism and theft;
If you’re in an accident with your RV, and you or your passengers are seriously injured, medical payments protection can help cover the cost of treatment, even if the accident was your fault;
If you get into an accident with someone who isn’t properly insured you’ll still be protected if you’re carrying uninsured motorist coverage.
Additional Coverage Options
This is great coverage to have if your RV is fully decked out with all the comforts of home like an entertainment system, or top-of-the-line appliances and furniture. Personal property coverage also takes care of RV accessories like camping supplies, barbecues, and sporting gear.
If your RV breaks down during your camping trip you’ll want to have roadside assistance. Towing bills and repair shop charges can put a huge dent in your wallet if you’re not properly covered.
If your RV needs some major repairs, some policies give you the option of adding coverage that will help you offset the costs of hotels and rental cars while you’re waiting for it to get fixed. There are usually restrictions on this type of coverage, so check with one of the friendly insurance brokers from Steers Insurance for more details.