What Is RV or Recreational Vehicle Insurance?

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Bodily injury liability

If you cause an accident with your RV and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.

Property damage liability

If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property. Most states require liability coverage.

Collision

Regardless of who’s at fault, collision pays for damage to your RV or motorhome if you’re in an accident with another vehicle. Collision also covers RV or motorhome rollovers. If you finance or lease your vehicle, collision may be required.

Comprehensive

Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters.

Uninsured motorist

This RV coverage helps protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage may also protect you from covered hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.

Underinsured motorist

Protect yourself against underinsured drivers. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.

Medical payments

No matter who’s at fault, med pay can help cover medical bills for you and your passengers if your RV is involved in an accident.