Recreational Vehicle Insurance

• Liability (bodily injury & property damage): Covers medical and repair costs if you’re at fault in an accident.
   
• Collision: Pays to repair or replace your RV after a crash, regardless of fault.
   
• Comprehensive: Protects against non-collision damage like theft, fires, storms, vandalism, and animal strikes.
   
• Uninsured/Underinsured Motorist (UM/UIM): Adds protection when the at-fault driver lacks adequate insurance.
   
• Medical Payments: Covers medical expenses for you or passengers, after an accident—no-fault.
   
• Personal Belongings: Covers items inside your RV—like clothes, electronics, cooking gear.

 Yes, in most states liability coverage (bodily injury and property damage) is mandatory for motorized RVs. For towed trailers, liability coverage typically falls under the towing vehicle’s policy. 

•  Roadside Assistance & Towing: Help if your RV breaks down, runs out of fuel, or locks keys inside.
   
• Vacation Liability: Covers liability when your RV is used as temporary housing at campsites or parks.
   
• Emergency Expense Coverage: Covers hotel, meals, and travel costs if your RV is uninhabitable due to a covered loss.
   
• Replacement Cost Coverage: For newer RVs, this ensures you receive enough to replace the vehicle without depreciation.
   
• Permanent Attachment / Custom Equipment: Replaces added items like awnings or satellite systems.

 Premiums depend on your RV’s type, value, use (part-time or full-time), driving record, and location. Discounts may be available for bundling, completing safety courses, or maintaining a clean record. 

 Yes. Coverage typically applies whether your RV is parked, stored, or in transit. Some policies offer storage-specific options that reduce coverage when not in use.