Recreational Vehicle Insurance

When is Recreational Vehicle Insurance Necessary?

If you own a recreational vehicle (RV), then it’s in your best interest to have recreational vehicle insurance. Coverage can provide funds to pay for damages and personal injuries involving your recreational vehicle. This includes everything from camping ground hazards to theft.

The person who has the title and registration is required to purchase this insurance. Motorized RVs are insured with the highest rates. This is because of their risk of being involved in accidents on the road. Towable trailers, on the other hand, can be insured for relatively low rates. Mobile homes can also be added into this type of insurance plan.

The Basics

The owner of a RV, trailer or mobile home must pay a monthly payment. The monthly payment is the premium, the same as with other insurance. The policy is usually valid for one year or more depending on the travel habits of the policyholder.


Vacationers who enjoy road trips benefit tremendously from RV insurance. It feels good knowing that you’re covered in the event of problems that arise due to severe weather, human error and bad behavior. If an RV is totaled while on the road or parked on vacation, then the insurance policy will pay for a replacement. This is based on the market value of the model.

If you drive a recreational vehicle, then you should at least have liability coverage. This covers medical expenses for injuries. That’s sometimes the most expensive thing, and getting help with it doesn’t hurt. The coverage is also for property damage caused by the RV.

Collision insurance is important as well. This coverage handles bills for expensive repairs that have to be done after an RV is involved in a collision. IF you’re worried about natural disasters or vandalism, then comprehensive coverage is your best bet.