Recreational vehicles do far more than your car.They allow you to travel long distances in comfort and to set up your home wherever you feel like it that day. But just like your car, a RV must have proper insurance to be on the road.

What Coverage Options are Needed?

• Liability coverage for accidents is required by nearly all states, and the others only allow you to forgo coverage if your assets are sufficient to pay accident claims out-of-pocket. You will need to meet the minimum coverage not just for your state, but for other states you will travel to as well.
• Vacation liability protects you from lawsuits related to your activities when you park at night. Think of it as your homeowner’s insurance for the road.
• Comprehensive coverage and total loss replacement cover the repair or replacement of your RV. While not legally required, if you can’t afford to pay for a new RV out-of-pocket after being involved in an accident, you probably need it.
• Personal effects coverage covers high-value property like appliances, navigation equipment, and bedding that is permanently stored in your RV and may not be covered under your homeowner’s insurance policy.

Coverage options, premiums, and policy limits depend on the type of recreational vehicle.