Recreational Vehicle Insurance

There are several types of RV insurance coverages. Some may be required by law, while others are optional. These typically include:

• Bodily Injury Liability – Covers injuries the policyholder causes to someone else.
• Medical Payments / Personal Injury Protection (PIP) – Covers medical treatment for injuries to the driver and passengers of the insured RV.
• Property Damage Liability – Covers damage the policyholder causes to someone else’s property.
• Collision – Covers damage to the policyholder’s RV resulting from a collision.
• Comprehensive – Covers damage not caused by a collision, such as fire, explosions, earthquakes, floods, riots, and theft.
• Uninsured Motorists Coverage – Covers costs resulting from an accident with a hit-and-run driver or someone without insurance.
• Contents Coverage – Covers damage or loss of personal belongings inside the RV, typically up to a selected coverage limit.