RV insurance 101

RV insurance 101

May 03, 2021
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What is RV insurance?

RV insurance is an agreement between you and your insurance company that protects your motorhome, travel trailer, camper, fifth wheel, etc. You'll choose from a variety of coverages meant to protect your vehicle and provide peace of mind on trips and vacations or if you use your RV as a permanent residence. If you're "driving" a motorhome, you'll also need liability coverage to stay legal on the road. But if you're "pulling" a travel trailer, your state won't require you to insure the RV, as you're already covered for liability on your auto insurance policy.

How does RV insurance work?

When you buy RV insurance, your insurer or agent will ask simple questions about you, your RV, and how often you use it. You'll then select coverages that will best protect you and your vehicle. Generally, more coverage means a higher price. If you damage your vehicle or you're responsible for someone else's damages or injuries, you'll file a "claim" with your insurer. If your claim is covered, they'll pay for the losses or injuries up to your coverage limits.