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Recreational Vehicle Insurance

Recreational Vehicle Insurance: Important Coverage For RV Owners

Do you own a recreational vehicle (an “RV”)? Today, some insurance companies offer specific recreational vehicles insurance policies. This type of protection often incorporates aspects of both auto insurance and homeowners or renters insurance.

Vehicle Classifications

Since recreational vehicles run the gamut from vacation camper vans to luxurious mobile residences, the available insurance protections typically depends upon the size, age and intended usage of the RV. Many insurers categorize a recreational vehicle by its length, for example. An extended 75-foot recreational vehicle or motor coach carries a different classification than a recreational vehicle with a camper extending over the cab, or a smaller camper vehicle without any cab-over portion.

Basic Coverage

Most RV insurance policies at a minimum offer basic auto insurance coverage. For instance, drivers typically obtain insurance for several different items:


Collision coverage;

Towing and roadside assistance;

Available comprehensive auto coverage.

Additional Coverage

Since drivers sometimes reside for long periods of time in an RV, they may also seek additional specialized coverage resembling homeowners insurance to help safeguard personal items during travel. For instance, some RV insurance policies will cover these items:

Coverage for accessories, such as awnings or netting;

Vacation or travel coverage (sometimes with reference to specific destinations);

Enhanced towing coverage;

Total loss replacement coverage (typically limited to recent model recreational vehicles used as primary full-time residences).

The availability of some additional RV insurance protections varies by state. Many jurisdictions treat recreational vehicles as a specialized form of vehicle.

Policy Limitations

Recreational vehicles insurance policies typically include specified deductible amounts, as well as policy limitations (just like most other forms of insurance). Not all insurance companies offer this highly specialized form of insurance coverage.

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