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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
  • Extra coverages

  • 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
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