What Does RV Insurance Cover?
Most states have minimum liability requirements for RVs, but extra insurance policies provide much better financial protection.
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Many insurance options are available to RV owners.
Different policies offer a variety of coverages, limits, and more, making it easy to customize for your needs. We’ve researched each type of policy so you can choose the right option to feel safe on your next RV trip.
In this guide:
- What does RV insurance cover?
- RV comp and collision
- What does RV insurance usually cover in an accident?
- Full-timer and recreational RV coverage
- RV insurance by vehicle class (Class A, Class B, and Class C)
- Other supplemental RV coverages
- Who to contact about RV coverage
What does RV insurance cover?
Before selecting the best RV insurance, you’ll want to understand the coverage required in your state and what that means for events involving your RV.
What does RV liability insurance cover?
Liability insurance is designed to provide financial reimbursement for injured parties and damaged properties when the RV driver is at fault in a collision. Each policy limits how much reimbursement is allowed, both per person and per incident.
We’ve researched common expenses and how liability coverage works for each party involved in a collision: passengers in the RV, someone driving the RV who is not on the policy, and occupants of the other vehicle or pedestrians.
Driver(s) of RV named on the policy
| Type of bodily injury- or property damage-related expenses | RV liability insurance coverage |
| Medical costs (including ambulance, hospital stay, and follow-up appointments) | ✘ (Only other driver and their passengers are covered) |
| Legal fees | ✔ |
| Missed work | ✘ (Only other driver and their passengers are covered) |
| Pain and suffering | ✘ (Only other driver and their passengers are covered) |
| Damage to insured vehicle | ✔ |
| Damage to named insured’s property (such as driver damaging their own garage) | ✘ |
| Medical expenses for pets | ✘ (Only other driver and their passengers are covered) |
Passengers in named driver’s RV who aren’t named driver(s)
| Type of bodily injury- or property damage-related expenses | RV liability insurance coverage |
| Medical costs (including ambulance, hospital stay, and follow-up appointments) | ✘ (Only other driver and their passengers are covered) |
| Legal fees | ✘ (Only driver’s legal fees are covered) |
| Missed work | ✘ (Only other driver and their passengers are covered) |
| Pain and suffering | ✘ (Only other driver and their passengers are covered) |
| Damage to insured vehicle | ✔ |
| Medical expenses for pets | ✘ (Only other driver and their passengers are covered) |
Driver of RV not named on policy
| Event | Coverage |
| Medical costs (including ambulance, hospital stay, and follow-up appointments) | ✘ (Only other driver and their passengers are covered) |
| Legal fees | ✔ (Coverage applies to the vehicle, not a specific driver) |
| Missed work | ✘ (Only other driver and their passengers are covered) |
| Pain and suffering | ✘ (Only other driver and their passengers are covered) |
| Damage to insured vehicle | ✘ |
| Damage to this driver’s property | ✘ |
Occupants of a vehicle (or pedestrians) involved in an accident with the insured RV
| Event | Coverage |
| Medical costs (including ambulance, hospital stay, and follow-up appointments) | ✔ |
| Legal fees | ✔ |
| Missed work | ✔ |
| Pain and suffering | ✔ |
| Damage to this driver’s property | ✔ |
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist (UM/UIM) coverage is designed to cover damages and medical expenses if another at-fault driver does not have proper liability coverage on their insurance policy.
We’ve researched the three types of UM/UIM coverage—bodily injury, property damage, and protection—to help prepare you for a collision caused by an underinsured motorist.
| Type of uninsured/underinsured motorist (UM/UIM) coverage | Details |
| UM/UIM bodily injury covers | RV driver’s and passenger’s medical expenses RV driver’s and passenger’s lost wages due to collision |
| UM/UIM bodily injury does not cover | Damage to RV or other property |
| UM property damage covers | Damage to RV Damage to personal property (including garage, fence, or house) |
| UM property damage does not cover | Injury-related expenses |
| UIM protection covers | Remaining RV damage when underinsured driver doesn’t have enough liability insurance to cover full expense |
| UIM protection does not cover | Injury-related costs |
Medical payments
Extra coverage for medical payments gives you and your passengers broader financial protections, even if you’re at fault when driving your RV.
| Type of expense | Covered? |
| Doctor visits | ✔ |
| Hospital visits | ✔ |
| Nursing care | ✔ |
| Ambulance fees | ✔ |
| Health insurance deductibles and copays | ✔ |
| Surgery, X-rays, and dental work | ✔ |
| Funeral expenses | ✔ |
| Lost wages | ✘ |
| Death benefit | ✘ |
Personal injury protection
Personal injury protection (PIP) is another insurance option to help cover your RV trips. It covers the driver and passengers for medical expenses and lost wages, no matter who was at fault in a collision.
| Type of expense | Covered? |
| Medical bills | ✔ |
| Lost wages | ✔ |
| Household services (child care, yard work, etc.) | ✔ |
| Disability and rehab | ✔ |
| Death benefit for your family | ✔ |
RV comp and collision
Comprehensive and collision coverage for your RV maximizes your financial protection in many situations. Here’s what you can expect from these add-on policies.
What does comprehensive RV insurance cover?
RV comprehensive coverage broadens your insurance policy to address damage to your RV caused by events outside your control.
| Type of event | Covered? |
| Theft | ✔ |
| Vandalism | ✔ |
| Fire | ✔ |
| Glass breakage | ✔ |
| Weather-related events | ✔ |
| Animal collisions | ✔ |
| Water damage | ✔ (Exclusions may apply) |
| Medical expenses | ✘ |
| Collisions with other vehicles | ✘ |
What does collision RV insurance cover?
No matter who is at fault, RV collision insurance can help protect you and your passengers.
| Type of event | Covered? |
| Collision with another vehicle (regardless of fault) | ✔ |
| Collision with an object (such as a tree or guardrail) | ✔ |
| RV rollover | ✔ |
What does RV insurance usually cover in an accident?
Below, we describe scenarios that could occur when staying in an RV and the type of insurance coverage needed for each.
| Type of incident | Policy coverage required |
| Medical coverage for RV driver and passengers | Medical payment coverage or PIP |
| Funeral expenses | Medical payment coverage |
| Death benefit | PIP |
| Lost wages for RV driver and passengers | PIP |
| Theft | Comprehensive RV insurance |
| Vandalism | Comprehensive RV insurance |
| Fire | Comprehensive RV insurance |
| Glass breakage | Comprehensive RV insurance |
| Weather-related events | Comprehensive RV insurance |
| Animal collisions | Comprehensive RV insurance |
| Water damage | Comprehensive RV insurance |
| Collision with another vehicle (regardless of fault) | Collision RV insurance |
| Collision with an object (such as tree or guardrail) | Collision RV insurance |
| RV rollover | Collision RV insurance |
Full-timer and recreational RV coverage
Coverage options may vary depending on how often you use your RV.
What does full-timer RV insurance cover?
If you travel or live in your RV for more than six months a year or otherwise consider it your primary residence, you may need full-time RV insurance. Because you spend more time in your RV, you’ll get broader coverage.
Here’s what’s included (and excluded) in a typical full-timer RV insurance policy.
| Type of coverage | Included? |
| Personal liability coverage | ✔ |
| Medical payments coverage | ✔ |
| Loss assessment coverage (includes damage to property in shared RV areas) | ✔ |
| Comprehensive coverage | ✔ |
| Collision coverage | ✔ |
| Vacation liability coverage | ✘ |
What does recreational RV insurance cover?
When your RV isn’t your primary residence, you can get campsite or vacation coverage for your recreational vehicle.
If you don’t travel all year and store your RV while not in use, you can cancel your regular policy and add-ons and opt for storage-only insurance.
| Type of coverage | Included? |
| Bodily injury at campsites | ✔ |
| Property damage at campsites | ✔ |
| Liability coverage for guests (such as dog bite or personal property damage) | ✔ (Includes medical expenses, repairs, and legal fees) |
RV insurance by vehicle class (Class A, Class B, and Class C)
Insurance companies don’t offer unique coverage options depending on the class of RV, camper, or motor home you own. We recommend adjusting your coverage limits based on the RV’s size and amenities.
- Class A motor homes are the largest category and often have more amenities.
- Class B motor homes are smaller and considered camper vans.
- Class C motor homes are often built on a van or truck.
For example, it would make sense to choose higher limits for a Class A RV than Class C.
Other supplemental RV coverages
Several supplemental RV insurance policies may be worth considering before your next big trip.
Common add-ons you can purchase include:
Campsite/vacation liability coverage
| Type of coverage | Included? |
| Bodily injury coverage at campsite | ✔ |
| Property damage coverage at campsite | ✔ |
| Bodily injury coverage while driving | ✘ |
| Property damage coverage while driving | ✘ |
Roadside assistance
| Type of coverage | Included? |
| Flat tire change | ✔ |
| Fuel delivery | ✔ |
| Tow truck | ✔ |
| Locksmith | ✔ |
| Bodily injury coverage while driving | ✘ |
| Property damage coverage while driving | ✘ |
| Mechanical repair | ✘ |
Personal property coverage
| Type of coverage | Included? |
| Damaged belongings inside RV | ✔ |
| Lost belongings | ✔ |
| Stolen property | ✔ |
| Unlimited coverage | ✘ (Limited to a certain amount) |
Total loss replacement
| Type of coverage | Included? |
| New RV (or reimbursement if original RV is totaled in a covered event) | ✔ |
| Bodily injury coverage | ✘ |
| Property damage coverage | ✘ |
Emergency expense allowance
| Type of coverage | Included? |
| Transportation and accommodation expenses when RV disabled during a covered event | ✔ |
| Comprehensive and collision coverage | Sometimes |
Roof protection
| Type of coverage | Included? |
| Roof repair or replacement due to wear and tear | ✔ |
| Roof repair or replacement due to damage (such as fallen tree branch) | ✔ |
| Repair of other issues due to roof damage | ✔ |
Personalized equipment
| Type of coverage | Included? |
| Custom RV equipment | ✔ |
| Permanent attachments (such as satellite or awning) | ✔ |
Pest damage
| Type of coverage | Included? |
| Vermin | ✔ |
| Rodents | ✔ |
| Insects | ✔ |
| Birds | ✔ |
Pet coverage
| Type of coverage | Included? |
| Domestic cats and dogs involved in covered accident or loss | ✔ |
| Veterinary care for eligible animals and events up to a total limit | ✔ |
| Burial, disposal, and replacement up to a total limit | ✔ |
Who to contact about RV coverage
Ready to choose the right RV insurance policy and add-ons for your needs? Explore the best RV insurance options available.