What is RV Insurance?

RV Insurance is insurance for a range of motorhomes, from camper vans to bus conversions. Like auto insurance, it protects you against financial loss if there is an accident. It is a contract between you and the insurance company, where you agree to pay the premium and the insurance company agrees to pay for your losses as defined in your policy.

RV Insurance Coverage:

For the most part, RV Insurance includes many of the same types of coverage in a traditional auto insurance policy, including:

  • Liability Insurance
  • Collision & Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Medical Payments Coverage

However, RV Insurance can also provide additional important coverage features such as:

  • Full Replacement Cost – If your RV is totaled or stolen, this coverage allows you to get back what you paid for the RV.
  • Personal Property & Attachments Coverage – This can cover things such as camping supplies, cooking appliances, sporting goods, furniture, awnings, and more.
  • Vacation Liability Coverage – At a park or compsite, your RV is considered a temporary vacation residence and this coverage protects you against damage to your RV, someone else’s property or someone injured inside your RV.
  • Roadside Assistance – This coverage provides insurance in the event of the need to have your RV towed or serviced.
  • Travel Expense Coverage – If your RV breaks down or needs to be repaired, this coverage helps pay for lodging and alternate transportation. Typically this coverage requires you to be at least 50 or 100 miles from your home when the need for RV repair occurs.
  • Full Timer Coverage – This coverage is required if your RV is your primary residence. It generally includes personal liability insurance, medical payments for anyone injured in your RV, as well as insurance coverage for items kept in storage while you are traveling.

Kleppinger Insurance can help you determine the type and amount of RV Insurance you need so you can enjoy peace-of-mind while enjoying your RV.