When you buy RV insurance, we help you select coverages that will best protect you and your vehicle. Generally, more coverage means a higher price.
You must have the state minimum for liability insurance for your motohome because motorhomes are driven and not towed. Failure to carry liability insurance could result in a revoked license, fines, or even jail time.
RV insurance is generally divided into two categories: recreational and fulltime. Recreational is if you aren’t living in your RV full time and will cover your RV inside and out while on the road or parked at a campsite. Fulltime insurance is meant for those using a motorhome or travel trailer as their primary residence. Many of the coverages will match up with a recreational policy, but you’ll be able to add additional coverages that are similar to homeowners insurance, like personal liability and loss assessment.
Standard RV coverages
- Damages to your RV – Comprehensive and collision
- Damages/injuries you cause – Bodily injury and property damage liability
- Damages to your RV and injuries from uninsured drivers – Uninsured/underinsured property damage and bodily injury
- Your injuries – Medical payments
- Roadside assistance
- Total loss replacement
- Replacement cost/personal effects
- Emergency expense
- Pet injury coverage
- Vacation liability
- Full-timer’s personal liability
- Loss assessment
- Disappearing deductibles