What is a Recreational Vehicle?
A recreational vehicle (or RV) is a portable home on wheels. An RV has many amenities found in a home and are included in a vehicle. RVs are also known as caravans, motorhomes, or camper van.
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RV Insurance
Types of RV Insurance Coverage
- Liability Coverage
This insurance covers you when you cause an accident. It pays for medical bills and property damage. Similar to auto insurance requirements, insurance coverage must meet state minimum coverage requirements.
- Collision and Comprehensive Coverage
Collision coverage will pay for damages that you cause to your vehicle. If you live in your RV full time, you may be required to purchase additional coverage.
Comprehensive coverage replaces your RV in the event of theft or damages resulting from falling debris, vandalism, fire, etc. (non-collision damage). If you live in your RV full time, you may be required to purchase additional coverage.
RV Coverage Options
Additional options can be added to your policy for extra coverage. Speak to your insurance agent about the additional options below:
- Your Bodily Injuries
This option on your RV coverage pays for medical bills that your health insurance does not cover. This type of RV option covers relatively recent injuries only.
- Uninsured/Underinsured Motorist Coverage
Similar to coverage for autos, Uninsured/Underinsured coverage protects you against drivers who have none or who do not have adequate coverage.
- Emergency Towing
This type of coverage provides towing services in case your RV breaks down. Limits to distance towed may apply.
- Rental Car Coverage
In the event your RV breaks down or needs repairs, this type of insurance will pays for your car rental. Daily limits and maximum coverage may apply.
