Recreational vehicle (RV) insurance is designed to meet the unique needs of RV owners. Whether you’re a full-time RVer or use your RV for occasional trips, understanding the differences between RV insurance and standard automobile coverage is essential.

What Type of Insurance Does an RV Need?

RV insurance policies may include the following:

• Collision insurance may help offset the expenses resulting from collisions.
• Comprehensive insurance may help cover costs unrelated to a collision accident, such as theft or vandalism.
• Bodily injury and property damage liability may help cover expenses for property damage or bodily injuries you may inadvertently cause to others while operating your RV. This might also encompass legal costs stemming from the accident.
• Uninsured/underinsured motorist coverage may assist in covering the costs of repairing or replacing your vehicle and your medical expenses if you are in an accident with an at-fault driver who doesn't have adequate insurance coverage.

Other RV insurance options may be available. Talk to your agent about your needs and they can recommend coverage. Full-time RVers typically want full-time RV insurance to cover their unique circumstances.

What Makes Recreational Vehicle Coverage Different Than Automobile Coverage?

RV insurance differs significantly from standard automobile coverage due to the unique nature of RVs. Unlike cars, which serve primarily as transportation, RVs combine both travel and lodging. RV insurance caters to these dual purposes, offering specialized coverage for motorhomes, travel trailers and other recreational vehicles. RVs are also generally more expensive than cars, so they may require higher coverage limits.

How Much Does RV Insurance Cost?

RV insurance premiums vary based on the following factors:

• Type of RV—An RV you drive typically costs more to insure than one you tow behind another vehicle.
• RV value—In general, the higher your RV’s value, the more you’ll pay to insure it.
• Usage—How you use your RV affects insurance rates. Full-time RV living may have different insurance requirements and rates compared to occasional recreational use.
• Coverage options selected—The type and amount of coverage you choose can significantly impact the cost.
• Owner’s driving history—Your driving record can also influence the cost of your RV insurance.
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Contact Insurance Plus to discuss your RV insurance needs. We can provide a quote for a policy tailored to your specific vehicle and driving habits.