What Does RV Insurance Cover? (2024)

FAQs

What Does RV Insurance Cover? ›

Standard RV coverages

RV insurance protects your motorhome or travel trailer against theft, damage from an accident, and other incidents beyond your control. It may also cover you if you're liable for injuries or damages while driving or when your RV is parked.

If you carry comprehensive coverage, which covers damage to your vehicle beyond your control, and your motorhome or travel trailer is damaged by water, your RV insurance policy may pay to repair or replace your RV, minus your deductible.

Comprehensive coverage can safeguard your motorhome or trailer from events beyond your control, including hail, high winds, lightning, fire, vandalism, theft, hitting an animal, and broken glass that isn't the result of a collision.

Like auto insurance, coverage for your recreational vehicle is required. Many states require uninsured or underinsured insurance, and every state requires minimum liability coverage if the vehicle is driven on the road.

Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters.

Collision coverage will help repair your RV if it is damaged by running into a tree during a traffic accident. Comprehensive coverage will assist with repair and replacement costs in other disasters, including having a tree fall on your RV.

What does RV insurance not cover? RV insurance will not cover general wear and tear or damage from mold, delamination repairs, fungi, or rot.

Awning damage to your RV is often covered by an RV insurance policy, though the details vary depending on your policy and insurer. Some providers may include it as standard on collision or comprehensive coverages. In other cases, awning damage can be included but subject to a different deductible than other claims.

Comprehensive coverage comes standard on travel trailer policies and is optional for motorhome policies unless you're financing or leasing your motorhome. Without comprehensive coverage on your motorhome policy, damage from hail won't be covered by your RV insurer.

What does liability insurance cover on a camper? ›

What does RV liability coverage cover? RV liability coverage covers two main kinds of damage: bodily injury and property damage (BI/PD). Bodily injury liability pays for medical expenses incurred by other drivers or pedestrians that result from an accident you cause.

RV insurance works similarly to your everyday auto insurance policy. RV insurance protects you if you're at fault in an accident that causes property damage or bodily injury. RV insurance will also pay for damages in the case of an uninsured/underinsured motorist colliding with you.

According to data from the National Automobile Dealers Association (NADA), the average Class A RV insurance policy costs between $1,000 and $1,300 per year, based on 140 days of usage.

RVs require a lot of upkeep. You need to keep on top of cleaning, which includes dumping RV waste. You also need to make sure fluids are topped up and tires are inflated. Then, of course, there could be occasional repairs that need doing.

Total Loss Threshold

This is the percentage at which an insurance company deems a vehicle a total loss. It varies by state and insurer but typically ranges from 70% to 100% of the ACV.

What does RV insurance not cover? RV insurance will not cover general wear and tear or damage from mold, delamination repairs, fungi, or rot.

Awning damage to your RV is often covered by an RV insurance policy, though the details vary depending on your policy and insurer. Some providers may include it as standard on collision or comprehensive coverages. In other cases, awning damage can be included but subject to a different deductible than other claims.