Your RV may be a motor home, travel trailer, fifth wheel or a camper. It’s not a house and it’s not a car, but you still need insurance coverage so you can protect your investment, personal property and liability.
These are the common RV insurance options that you might expect to see on an RV insurance policy:
- Bodily Injury Liability – provides coverage for you if your vehicle causes bodily injuries or death to another person.
- Property Damage Liability – provides coverage for you if your vehicle causes damage to another person’s property.
- Uninsured/underinsured Motorist Coverage – provides coverage for you if another driver has caused injuries to you or damage to your vehicle and they either do not have insurance or they do not carry enough insurance.
- Personal Injury Protection – can cover medical bills, lost income, loss of services, and funeral expenses for you AND your passengers if you are in a car accident. This coverage applies to covered losses regardless of who is at fault.
- Comprehensive Coverage – Also known as “Other than collision coverage,” covers your vehicle if there is damage to your vehicle by something other than a collision. Some examples include: theft, a tree falling on your vehicle, vandalism, glass damage from a rock, hitting an animal, etc…
- Collision – covers the damages to your vehicle as a result of it colliding with another vehicle or an object. Some examples include: hitting another vehicle, hitting a pole, sliding off the road due to ice, etc…
- Loss of Use – provides you with a rental vehicle while your vehicle is being repaired as a result of a covered loss.
- Contents – provides coverage for a certain amount of belongings that you keep in your RV.
- Other Additional Coverage -This includes coverage options such as rental car reimbursement, roadside assistance, new vehicle replacement, etc…