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Why do I need RV Insurance?

State law dictates that motor home owners hold liability insurance on their recreational vehicle (RV).

 A Recreational Vehicle (RV) , which can be a motor home, a pull-behind trailer, a fifth wheel, caravan, or a tent trailer, can have varying purposes and fulfill many different needs. The type of RV and frequency of use are key considerations when insurance shopping.


In most cases, Recreational Vehicle (RV) insurance is required if:

  • Your vehicle is a motor home.
    • State law  dictates that motor home owners hold liability insurance on their recreational vehicle (RV). This liability insurance offers financial protection if you are found at fault or liable for an action and/or require legal defense for a covered action.
  • Your RV is financed.
    • Lenders mandate RV insurance on financed RVs to cover their loan in cases of potential losses
  • Your RV is rented.
    • Rental companies require insurance to protect themselves for any accident or incident on your part.


Do not assume your RV is safeguarded under your basic homeowner policy! Homeowners’ coverage applies only if the RV is unregistered for the road and is used for the maintenance of the premises. You must purchase specific insurance for recreational vehicles taken over the road, whether they are registered or not.


Furthermore, is your RV a vacation home or full-time residence? You will need extra coverage, as traditional RV policies may not apply in these circumstances. Technically, an insurance company can deny coverage if it was not disclosed to them that the RV was intended to be used as a permanent residence. Full-Time RV coverage can cover personal liability, medical payments, and some personal losses. Make sure extras like awnings, satellite dishes, electronics, jewelry, and separate storage sheds are covered as well.


RV lifestyle experts suggest you look into these specific coverages:

  • Replacement insurance
  • Adequate comprehensive personal liability coverage.
  • Roadside assistance

Be prepared and do some research before putting your RV on the road. It is best to contact your independent insurance agent  to determine the best coverage for your personal needs.


“The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.”


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