Standard RV Coverages

Comprehensive and Collision Coverage
Comprehensive insurance protects your RV against events beyond your control, such as theft, vandalism, fire, glass breakage, weather-related incidents, and animal collisions. If your RV is damaged in an accident with another vehicle or object, collision coverage will pay for repairs or replacement, regardless of fault. Both coverages require a deductible.

Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive coverage pays for the repairs minus your deductible.

Liability Coverage
Pays for damages or injuries you cause to others. Liability coverage is legally required if you drive an RV. However, if you own a towable travel trailer, liability coverage applies to the towing vehicle, not the trailer itself.

Example: If you cause an accident while driving your motorhome, resulting in damage to another vehicle and injuries to the driver, RV liability insurance covers medical expenses and repairs up to your policy limits.

Uninsured/Underinsured Motorist (UM/UIM) Coverage
Protects you if an uninsured or underinsured driver causes an accident involving your RV. This coverage pays for your injuries, RV repairs, and lost wages if you're unable to work.

Example: A driver rear-ends your motorhome and has no insurance. Your passenger is injured, and your motorhome is damaged. UM/UIM covers medical bills and RV repairs up to your policy limits.

Medical Payments Coverage
Pays for medical expenses for you and your passengers if you're involved in an accident in your motorhome, regardless of fault. Note that medical payments coverage does not apply to travel trailers.

Example: Your spouse is injured in an accident while traveling in your motorhome. Medical payments coverage pays for hospital bills, even if you were at fault.

Additional Coverages include roadside assistance, total loss replacement, vacation liability, full-timers liability & many more.

If you own or plan to purchase an RV, you might wonder why specialized RV insurance is necessary. Here are a few key reasons:

State Law Requires RV Insurance – All states mandate minimum liability coverage for drivable RVs.

Your RV Is an Investment – Many RVs cost as much as cars or homes. RV insurance ensures your investment is well protected.

Campsite Liability Protection – If a guest is injured in or around your RV, you could be held liable. RV insurance provides coverage for these situations.

Whether you’re planning a road trip or living in your motorhome full-time, we can help you find the best RV insurance coverage for your needs. Call us today to learn more about your options!