RV Insurance Coverage Options and Terms Defined

Before you buy RV insurance coverage, you should understand all of your options and the related terms. Additional protection is needed when you own an RV because regular auto insurance may not protect you fully. Your RV insurance coverage will be slightly vary depending on whether or not you use the RV as your primary residence.

RV (Recreational Vehicle) Insurance Coverage Options
  • Coverage also given to regular autos. This includes Bodily Injury and Property Damage, Comprehensive and Collision, Roadside Assistance, and Liability as offered through regular auto insurance plans.
  • Emergency Expense. If you use your RV for pleasure, you can be covered for temporary living expenses and returning if the RV is disabled. If the RV is your primary residence, temporary living expenses and travel expenses can be covered in a higher amount.
  • Vacation Liability. This includes property damage and bodily injury as a result of an accident. This may be included with Comprehensive and Collision insurance, but only if the RV is not your primary residence.
  • Replacement Costs of Personal Items. Since there are items in your recreational vehicle besides those items you would have in a normal automobile, your insurance may cover these items and a percentage of these items if outside of the RV when lost or damaged.
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