What makes RV Insurance unique? 

RV Insurance is like two policies in one: it protects your vehicle like car insurance, and it also protects your living area like home insurance. 

Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters. 

Insurance for motor homes is specifically designed to protect people that travel. Because your vehicle is usually larger than others, you should have greater liability coverage than standard autos. This is only one important coverage option you might consider. 

Standard RV Insurance 

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car. 

If you only plan to vacation once or twice a year, you may be able to purchase seasonal coverage. Trailer RVs need insurance coverage for damage, both on and off the road. 

Options for your RV insurance policy 

When you insure your RV, you should consider these important options: 

• Insurance for full-time “RVers” 
• Camper liability 
• Bodily injury and property damage liability 
• 24-hour roadside assistance 
• Emergency expense money 
• Total loss coverage 
• RV contents coverage