Recreational Vehicles

The Ins and Outs of Recreational Vehicle Insurance


Good Recreational Vehicle (RV) insurance gives some terrific protections while both owning and operating an RV. It also provides financial assistance to the policyholder for any accidents or other various covered events that can mean partial or even complete destruction of an RV and/or the personal items within it. This insurance coverage goes into effect when there is a covered loss that is a consequence of a natural event or a human caused action. Due to one’s proper coverage, his or her RV can be speedily repaired (or replaced) and this means getting back to a vacation ASAP.

Who Can Benefit?

This kind of coverage is for those who own and operate a motor home of some type, an all-terrain vehicle (ATV) or some other motorized or non-motorized vehicle, like travel trailers, teardrops, fifth-wheel vehicles, pop-ups, toy haulers, and so on. To operate these vehicles, whether for an extended road trip or for a quick weekend of fun, obtain this coverage can be a very smart move.

How it Works

For an RV owner to obtain compensation once a claim is filed, he or she will first need to have been consistent with premium payments. After a claim is filed, the insurance provider will normally send out an adjustor to determine the cause of damage (and its legitimacy) and the repair or replacement expense.

Types of Coverage

An RV policyholder can buy add a myriad of insurance coverage types. Liability pays out for medical bills and any damage to vehicles and injury to other drivers should the policyholder be at fault. Personal injury protection helps by paying out for any medical costs. Collision covers both the insured RV and also extends funds for the repair of body damage. Comprehensive is the kind of coverage that compensates for damages from unforeseen situations other than collisions, such as fire, vandalism, theft and more.


Many other choices are out there that may be helpful to a recreational vehicle owner. One example is roadside assistance, which helps the insured if his or her RV breaks down while on the road. Roadside assistance services include battery boosts, gasoline or diesel fill-ups, lockout service, tire changes and more. Other potential add-ons to normal recreational vehicle insurance coverage include personal property and loan protection. Loan protection coverage helps the insured if he or she ever finds that they are unable to pay a loan due to illness or injury. Personal property coverage shields one from the repercussions arising from theft of property. There are even more options available so be sure to discuss it all with an insurance expert.