RV Insurance Guide: What Coverage You Actually Need
RV insurance is more complex than car insurance. This guide explains every type of coverage, what is worth buying, and how to find the best rates for your rig.
RV insurance combines vehicle and home insurance in ways that make it more complex than standard auto coverage. Understanding what you actually need protects you without paying for unnecessary coverage.
Liability Coverage
Liability coverage is legally required and non-negotiable. Carry at least $100,000 per person and $300,000 per accident in bodily injury liability, and $100,000 in property damage liability. If your net worth exceeds these limits, increase coverage accordingly or add an umbrella policy.
Comprehensive and Collision
Comprehensive covers non-collision damage — weather, theft, falling objects, animals. Collision covers damage from accidents. Both are optional but worthwhile for rigs with significant value. Consider the deductible versus the rig value before deciding on coverage levels.
Total Loss Replacement
Standard policies pay actual cash value — the depreciated market value at the time of loss. Total Loss Replacement pays for a comparable new or used replacement unit. Particularly valuable for newer rigs in the first 5 years when depreciation is steepest.
Full-Timer Coverage
Full-timers need a full-timer policy that covers personal liability, personal property, and loss of use in the same way a homeowner policy would. Progressive, National General, and Good Sam are the most commonly recommended RV insurers for full-timers.