Get a full-time RV cost breakdown here. RV breakdown insurance covers breakdowns caused by a number of issues, including electrical or mechanical problems, flat tires, dead batteries, and more.
What is vacation liability RV insurance? It covers against damage or injury you may cause others with your RV while it's parked at a campsite.
RV Uninsured Motorist Insurance
This coverage can help reimburse you for costs if your RV gets damaged by a third party that doesn't carry any or adequate insurance of their own.
This coverage can pay for medical bills, lost wages, and necessary home services for yourself and your passengers if you cause an accident with your RV.
RV warranty insurance, or the extended warranty, acts as an insurance policy that provides coverage for future mechanical failures of your RV.
Find answers to common RV insurance FAQs. Learn about motorhome coverage, legal requirements, and how independent agents can help you protect your investment.
Standard RV and Camper Insurance Coverage Options
You'll have many coverage options to choose from when building your RV or camper insurance policy. Some of the most commonly offered coverages include:
- Liability coverage: This covers expenses related to third-party claims of bodily injury or personal property damage.
- Comprehensive coverage: Pays for damage to your RV or camper due to a non-collision event such as a flood or theft.
- Collision coverage: Pays for damage to your RV or camper from a collision with another object, regardless of fault.
- Medical payments coverage: This can cover medical expenses for you and your passengers after a collision, regardless of fault.
- Uninsured/underinsured motorist coverage: This can reimburse you for expenses related to collisions with drivers who don't carry adequate insurance of their own to cover their portion of the damages.
- Personal injury protection: This covers funeral expenses, childcare, medical expenses, lost income, etc., if you get injured in a collision, regardless of fault. This coverage isn't offered in every state.
Work together with an independent insurance agent to build the ideal RV or camper insurance policy.
Extra RV and Camper Insurance Coverage Options
You may choose to add one or several more types of protection to your RV or camper insurance policy beyond the standard coverages listed above. You can often find the following special coverages offered by many insurers:
- Vacation liability insurance: This covers RVs and campers used as temporary residences for collision damage and expenses related to disasters covered by comprehensive insurance.
- Towing and roadside assistance coverage: This covers towing and other roadside services if your RV or camper breaks down on the road.
- Loan/lease gap coverage: This can reimburse you for the difference in your RV or camper's current value and what's still owed on your loan or lease if your vehicle gets declared a total loss.
- Full-time coverage: For those who use their RV or camper as a permanent residence, this includes similar coverage to a homeowners insurance policy for incidents related to guest injuries and property damage, as well as higher liability and medical payments coverage limits.
- Personal property and belongings coverage: This can reimburse you for repairs or the replacement of personal property like furniture, etc., stored in your RV or camper if it gets damaged or destroyed by a listed peril.
- Emergency expense coverage: This can pay for emergencies like hotel rooms and travel costs if your RV or camper leaves you stranded a certain distance from home, such as 100 miles.
- Safety glass replacement coverage: This covers the replacement of your RV or camper's windshield if it gets damaged or destroyed by a listed peril.
- Pet injury coverage: This can cover vet bills if your pets (i.e., domesticated animals like cats and dogs) get injured while riding in your RV or camper.
Your independent insurance agent can help you complete your RV or camper insurance policy with any additional coverages necessary.
An Independent Insurance Agent Can Help You Get a Quote for Camper or RV Insurance
When shopping for camper or RV insurance, enlist the help of a local independent insurance agent. These agents are free to shop and compare coverage and rates from multiple carriers in your area. Ultimately, they'll get you matched to a camper or RV insurance policy that offers the best overall blend of coverage and cost. And down the road, your agent can help file RV insurance claims for you if the time comes.
