Recreational Vehicle Insurance

Understanding Recreational Vehicle Insurance


Good Recreational Vehicle (RV) insurance gives policyholders terrific coverage for the ownership and operation of an RV. It also provides financial assistance to the insured for any accidents or other various covered issues that can result in partial or even complete loss of an RV and/or the personal belongings that one has inside it. Coverage is initiated when there is a covered loss event that results from natural events or various human-caused actions. As a result of proper coverage, a protected RV can be quickly repaired or replaced and this means the owner can get back on the road and resume a vacation sooner rather than later.

Who Can Benefit?

This type of coverage is for those who own and operate a motor home of some kind and even various all-terrain vehicles (ATVs) or other motorized or non-motorized forms of recreational conveyance, like travel trailers, teardrops, fifth-wheel vehicles, pop-ups, toy haulers, and so on. To operate these vehicles, either for long road trips or just that weekend getaway, RV owners are highly encouraged to carry this coverage.

How it Works

An RV owner may receive compensation after a claim is filed, if he or she has been consistent with premium payments. Should a claim be filed, the insurance provider will usually send out an adjustor to determine the cause of damage and the possible repair or replacement costs.

Types of Coverage

An RV policyholder can buy a wide range of insurance coverage. Liability compensates for medical costs and any damage to other vehicles and injuries. Personal injury protection helps by paying out for any medical bills for the policyholder. Collision covers the insured RV and extends funds for the repair of body damage. Comprehensive is the type of coverage that pays out for all other kinds of damages from unforeseen situations, such as fire, vandalism and theft.


Many other options are available for a recreational vehicle owner. One example is roadside assistance, which helps the insured party if he or she breaks down while on the road. This can include battery charge-ups, gasoline or diesel refills, lockout service, tire changes and more. Other potential add-ons to standard 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 is a type that safeguards one from the repercussions arising from theft of personal belongings. And, there are even more options one can investigate with an insurance expert.