RV Insurance FAQ
Q.What Does RV Insurance Cover?
RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside coverage
- Full-timer coverage if your RV is your full time residence
- Uninsured and underinsured motorists coverage
Q.How Much RV Insurance Do I Need?
The amount of RV insurance you need will depend on several factors, such as:
- The requirements of the state in which you reside
- The class of motorhome you own
- Where you will be traveling, and whether you will cross state and country borders
- Whether you are using it part time or living in it full time
- Whether you have custom features on your motorhome, which can result in higher repair costs
Additionally, the amount of RV coverage you need will depend upon the assets you want to protect in the event of a liability claim or lawsuit.
