An RV insurance policy protects your motorhome or travel trailer. Whether you use your RV as your home or just for vacations, different policies are available to help cover the cost of injuries and damages to others or yourself.
Do You Need RV Insurance?
If you drive a motorhome, law requires you to carry liability insurance, just like for your personal vehicle. For a trailer you’re towing, there is no legal requirement to carry insurance, although your lender may require certain coverage if you are financing or leasing. RVs, whether driven or towed, are an expensive investment, and an insurance policy protects you from expenses if an accident happens.
What Does RV Insurance Cover?
There are different policies available, so you can choose the coverage you need. Liability insurance, required for motorhomes, helps cover the costs of bodily injury and property damage to others. Collision insurance, as the name implies, covers the cost of damages to your RV if you’re involved in an accident or rollover, regardless of fault. Damages that are not caused by a collision, such as by theft, fires, or storms, are covered under comprehensive insurance. Other options may also be available to suit your specific needs.
Protect Your Assets
An RV is an asset, just like your home or car. Although insurance is not always required, difference coverage options are available to protect you from costly repairs.