Enjoy the freedom of open road without worry.

As with auto insurance, there are different types of RV insurance. Two key elements are comprehensive and collision coverage and liability coverage.

• Comprehensive and collision coverage pays out if your RV is damaged in a collision, fire, storm, act of vandalism or other covered event. Comprehensive and collision coverage is important for both motorhomes that you drive and trailers that you tow, and if you have a loan for your RV, your lender will typically require this coverage. If you experience a total loss, whether or not you have enough coverage to replace your RV will depend on your policy. A policy that offers replacement cost or total loss replacement coverage can pay for the cost or replacing your RV with a new RV. However, some policies may provide lower coverage amounts or actual cash value, which subtracts depreciation. Your RV insurance can also cover personal items in your RV.
• Liability coverage provides coverage for third-party bodily injury or property damage that you are responsible for while driving your RV. For example, if you don’t see a car in your blind spot while changing lanes and cause a collision, you may be held responsible for the crash and any property damage or medical costs that result. State law typically requires liability coverage for motorhomes or RVs that you drive, just as liability coverage is required for other vehicles. Full-time RV insurance also provides liability coverage for incidents that occur while your RV is parked.

Although RV insurance and standard auto insurance offer similar liability, comprehensive and collision coverages, there are differences that stem from the fact that an RV is both a car and a home.

Standard auto insurance does not cover the personal belongings inside your car. This is typically covered under your renters or homeowners insurance policy. However, RV insurance can provide coverage for personal belongings. The liability portion of coverage also works differently.

Standard auto insurance typically only covers liability stemming from the use of your vehicles, for example, if you hit another vehicle while driving. Other types of personal liability are typically covered under your homeowners or renters insurance policy. Full time RV insurance provides personal liability coverage.

Many RV insurance companies let you add roadside assistance coverage to your RV insurance. This coverage will typically cover things like towing or assistance with fuel delivery or tire changes.

Yes, many RV insurance companies let you bundle your RV insurance with auto and homeowners policies. This can be one of the easiest ways to receive a discount for cheap RV insurance.

Full time RV insurance is designed to meet the coverage needs of people who live in their RV for the majority of the year. It provides additional protection, including personal liability coverage. Even if your RV is parked, you can be held liable for bodily injury or property damage. For example, if you’re parked at a campsite and another camper trips over a cord you’ve left out by your RV, you could be held liable. Personal liability insurance provides coverage for this type of event.

The cost of your RV insurance will depend on various factors, including your risk profile, loss history and coverage levels. The best way to find out how much you can expect to pay is to request an RV insurance quote.