Being an RV owner is at a record high with 11.2 million households who own RVs. That’s a whole lot of motorhomes and campers hitting the road for camping time.

While owning an RV might be about making family memories and spending time outdoors, you also need to be protected with insurance in case anything goes wrong. 

You know you need insurance for your home and car, but what kind of insurance will you need for your RV? RV insurance depends on several factors. 

You know you want the RV insurance coverage you need to be protected. Read on to learn more about the RV insurance policy you need for your recreational vehicle.

Is RV Insurance Required?

Insurance requirements vary from state to state. They might also vary depending on a lender if you financed the purchase of your RV. 

The biggest factor, though, is if you have a motorhome or a camper. A motorhome will require insurance. Because this is a vehicle that can drive down the road, it must have insurance. 

A camper, on the other hand, can’t move with the vehicle that tows it. Often this means that insurance for the camper is optional.  Your lender might require it. It’s also highly recommended to carry insurance on a camper. 

Types of RV Insurance

Like for a car or other motor vehicle, there are several different types of insurance coverage you’ll need for a motorhome. 

Liability insurance is the first type. This protects your liability if you injure someone with your RV or cause property damage in an accident. It can also help to cover legal expenses if you’re taken to court over an accident. 

Collision insurance covers the RV and damages it might incur because of an accident. 

Comprehensive coverage covers other things that might go wrong with the RV. It covers and protects you from theft, fire, and vandalism, for example. 

In a motorhome, you’d want to have all three types of coverage. In a camper, it’s recommended. You’ll want to see what coverage you already get through homeowners insurance. 

Additional Insurance

There are several additional insurance options to consider for added coverage. 

Since you’ll be traveling with your RV, you might want to consider roadside assistance insurance. This would allow for help to come if you break down, need a tow, or need to get jumped. 

Total replacement coverage would be useful if you’re in a terrible accident and the RV gets totaled. Total replacement coverage means the RV and contents would be replaced with a comparable make and model. 

You might also want to consider extended warranty insurance for your RV. The truth is that over time, things start to break down. RVing solutions offer extended warranty coverage that protects you from big repair bills when things start to break down.

Get the RV Insurance You Need to Be Protected When You’re Out on the Road

Your RV will create many memorable events and memory-making. You want to make sure you have the RV insurance you need so your RV memories are ones of big bills and being broken down. 

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