Recreational Vehicle Insurance

RV insurance protects against the same financial consequences as those covered in car insurance policies:

• damage to your or others’ vehicle(s) or property
• theft and/or vandalism
• injury to the insured or other persons
• personal liability
• accidents with uninsured or underinsured drivers.

However, recreational vehicle policies need to envelop more than what car insurance covers, primarily because RV owners keep more personal items, such as clothes, kitchen ware, PC, TVs and more in large recreational vehicles. Motor homes may have kitchens, bedrooms and bathrooms.

RV Personal effects coverage is usually an additional addendum that covers personal valuables like clothing, cameras, dishes, sporting goods, jewelry, televisions, etc. These can be typically covered against losses from ost hazards.

Replacement cost RV insurance coverage is the latest and most popular coverage. In the event of complete loss, you will receive a new unit of the same model, class, body type, size and equipment. Of course, this is also the most expensive type of insurance.

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RV full timer insurance coverage is for those who live in their RV all the time, and do not have another dwelling; you need special coverage's including higher liability limits. This coverage can be added to your policy to protect you. Most insurance companies do not understand full timers' needs and will not write this coverage for you. So make sure and discuss this upfront with your agent. Much like a homeowners policy, full time policies provide comprehensive personal liability RV insurance coverage that pays for bodily injury and property damage caused by an accident in which you are held liable. Normal policies don't provide full-timer coverage. Check this out before purchasing a motorhome for full time living..

RV Vacation campsite liability coverage protects you up to your policy limits for your legal liability resulting from lawsuits if you are negligible in the use of your RV while using your unit as a residence.

RV Emergency expense coverage protects your vacation budget from the unexpected because it will pay for your lodging or your journey home when your RV is damaged or destroyed by a covered hazard.

Check out your insurance needs before purchasing your RV and remember to update them every year. If something changes, for instance you add new awnings to your RV; will they be covered under your current policy?

Some companies allow you to consolidate your RV and autos to one policy and receive a discount toward your premium. This way you eliminate the hassle of maintaining multiple vehicle insurance policies.

Many RV owners like the convenience of online access to their insurance account anytime. When you are on the move this kind of access can be important. Your recreational vehicle is a big investment; take the time to get the right insurance.