Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Insurance Auto Insurance What Does RV Insurance Cover? Updated May 30, 2023 8-min read Expert Approved Expert Approved This article has been reviewed by a Certified Financial Planner™ for accuracy. Written by Lauren Ward Written by Lauren Ward Expertise: Mortgages, real estate, investing, credit, debt, small businesses Lauren Ward is a personal finance writer who regularly covers topics like mortgages, real estate, and investing. Learn more about Lauren Ward Reviewed by Andrew Steger, CFP® Reviewed by Andrew Steger, CFP® Expertise: Holistic financial planning, nonprofit endowments, tax planning, investment management, retirement planning, trust administration, estate planning, budgeting, cash flow analysis, business succession Andrew Steger, CFP®, provides financial planning and consulting services, assisting families, executives, and business owners with planning and executing successful futures. Learn more about Andrew Steger, CFP® 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 collisionWhat does RV insurance usually cover in an accident?Full-timer and recreational RV coverageRV insurance by vehicle class (Class A, Class B, and Class C)Other supplemental RV coveragesWho 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 expensesRV liability insurance coverageMedical 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 expensesRV liability insurance coverageMedical 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 EventCoverageMedical 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 EventCoverageMedical 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) coverageDetailsUM/UIM bodily injury coversRV driver’s and passenger’s medical expensesRV driver’s and passenger’s lost wages due to collisionUM/UIM bodily injury does not coverDamage to RV or other property UM property damage coversDamage to RVDamage to personal property (including garage, fence, or house)UM property damage does not coverInjury-related expensesUIM protection coversRemaining RV damage when underinsured driver doesn’t have enough liability insurance to cover full expenseUIM protection does not coverInjury-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 expenseCovered?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 expenseCovered?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 eventCovered?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 eventCovered?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 incidentPolicy coverage requiredMedical coverage for RV driver and passengersMedical payment coverage or PIPFuneral expenses Medical payment coverage Death benefitPIPLost wages for RV driver and passengersPIPTheftComprehensive RV insurance VandalismComprehensive RV insuranceFireComprehensive RV insurance Glass breakageComprehensive RV insurance Weather-related eventsComprehensive RV insuranceAnimal collisionsComprehensive RV insurance Water damageComprehensive RV insuranceCollision with another vehicle (regardless of fault)Collision RV insuranceCollision with an object (such as tree or guardrail)Collision RV insuranceRV rolloverCollision 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 coverageIncluded?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 coverageIncluded?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, and considering replacement value as a starting point for coverage limits. 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 coverageIncluded?Bodily injury coverage at campsite✔Property damage coverage at campsite✔Bodily injury coverage while driving✘Property damage coverage while driving✘ Roadside assistance Type of coverageIncluded?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 coverageIncluded?Damaged belongings inside RV✔Lost belongings✔Stolen property✔Unlimited coverage✘ (Limited to a certain amount) Total loss replacement Type of coverageIncluded?New RV (or reimbursement if original RV is totaled in a covered event)✔Bodily injury coverage ✘Property damage coverage✘ Emergency expense allowance Type of coverageIncluded?Transportation and accommodation expenses when RV disabled during a covered event✔Comprehensive and collision coverageSometimes Roof protection Type of coverageIncluded?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 coverageIncluded?Custom RV equipment✔Permanent attachments (such as satellite or awning)✔ Pest damage Type of coverageIncluded?Vermin✔Rodents✔Insects✔Birds✔ Pet coverage Type of coverageIncluded?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.