What does RV insurance cover?
If your motorhome or travel trailer is damaged in a covered incident, RV insurance can pay to repair or replace your vehicle. Your RV policy may also safeguard you against liability claims if you’re liable for someone else’s injuries or damages while driving your motorhome. However, liability coverage is not available for travel trailer policies because the liability coverage on the vehicle used to tow your travel trailer extends to the travel trailer. You may also purchase added protection, such as full timer’s liability coverage, if you use your RV as your permanent residence.
What are the typical RV insurance coverages?
Comprehensive and collision, bodily injury and property damage liability coverages, and medical payments coverages are common for motorhome or travel trailer insurance policies.
Comprehensive and collision
Comprehensive coverage protects your RV against events beyond your control: theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and accidents with animals. Collision coverage covers damage to your RV if you collide with another vehicle or object, such as a fence, tree, or guardrail, regardless of fault. Both types of coverage include a deductible.
Travel trailer policies will often only include physical damage coverages since you’re required by law to carry liability coverage on your tow vehicle. If you finance or lease your travel trailer or motorhome, your lender will typically mandate comprehensive and collision coverage.
Learn more about RV comprehensive and collision coverage.
Bodily injury and property damage liability
Since all states require liability coverage on a motor vehicle, you’ll need bodily injury and property damage liability coverage before you can get behind the wheel of your motorhome. This coverage can pay for damage or injuries you cause while driving your motorhome and may cover legal fees resulting from the accident. Travel trailers don’t require RV liability coverage because it's provided by the vehicle towing the travel trailer.
Uninsured/underinsured property damage and bodily injury
If your motorhome is damaged by a driver who isn't carrying insurance or doesn't have enough to cover the damage they've caused, uninsured/underinsured motorist property damage and bodily injury coverage may pay to repair or replace it and for injuries you suffer (up to your policy's limits). Travel trailers don’t require this coverage because they are not motorized vehicles.
Medical bills, up to the limits you choose, may be covered for you and your passengers if you're in an accident, regardless of fault. Medical payments coverage doesn't apply to travel trailer policies.
Other RV insurance coverage options include RV Roof Protection Plus®, pet injury coverage, and vacation liability. Learn more about RV insurance coverages.
Extra coverages if you live in your RV full time
A full-time RV insurance policy is for those who use a motorhome or travel trailer as their primary residence. You'll have the option to add coverages similar to homeowners insurance, such as the following:
Full timer’s liability
If you use your RV as your permanent residence and you’re liable for injuries in or around your RV, full timer’s liability can protect you, up to your coverage limit.
Your RV association may require you to pay for damages to shared areas. Loss assessment may help cover these costs, up to the coverage limit on your policy.
What does RV insurance not cover?
RV insurance will not cover general wear and tear or damage from mold, delamination repairs, fungi, or rot. Damage from earthquakes or floods may also be excluded, depending on how frequently the RV is used.