RV Insurance 101

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Get All of the Information You Need About RV Insurance

Does your RV require a different type of insurance coverage than your other vehicles? Recreational vehicles often call for additional insurance to cover the repair or replacement of internal components.

Find everything you need to know about recreational vehicle coverage in our RV Insurance 101 section.

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Many RV enthusiasts use their ordinary auto insurance company to provide their RV Insurance. In many cases, this does not provide sufficient coverage. Claims that occur when the RV is under an auto insurance policy may not be covered.

Aspects of an RV that can cause the problems include the internal components, including appliances and plumbing. In most cases, the owner ends up paying for the replacement or repair of these various items.  RV insurance for your motor home is a good investment.

RV Insurance that is specialized for your RV picks up where the auto insurance policy leaves off. Most policies that specialize in recreational vehicle protection offer the following recreational vehicle insurance coverage:

Collision: Covers damage to your recreational vehicle and all permanent components which may result from collision with another object.

Un-insured/Under-insured Motorist: Coverage to specified limits for bodily injury caused by an un-insured or under-insured motorist.

Comprehensive: Coverage for damage due to acts of nature- wind, water, vandalism, theft, and fire.

Bodily Injury/Property Damage: Coverage for legal liability

Full Timer Coverage: Designed for those individuals who spend most of their time on the road, or live in their RV and do not have a permanent residence.

Personal: Coverage for valuables located inside your RV

Towing and Labor: Auto insurance policies do not provide enough to cover towing expenses, because they are not designed for RV's. With coverage meant for your recreational vehicle, you can have peace of mind if your motor home breaks down.

Total Loss: This coverage provides for a replacement vehicle if your recreational vehicle is completely destroyed by some disaster. The replacement recreational vehicle will could possibly be a new vehicle of the same model year as your original.

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