Rv coverage

RV coverage is a type of vehicle insurance that protects recreational vehicles such as motorhomes and camper vans against physical damage, liability, and theft. RV coverage policies include components like collision (covers repair or replacement costs after accidents), comprehensive (covers losses from fire, hail, or vandalism), and liability (covers bodily injury or property damage caused to others).

Insurance carriers like Progressive and GEICO offer RV coverage options with average annual premiums ranging from $800 to $1,500 based on RV class. Standard exclusions in RV coverage involve normal wear and tear, intentional damage, and using the RV for commercial purposes, as per the Insurance Information Database.

Full-timer’s liability coverage applies if you live in your RV at least six months per year, treating it similarly to homeowners insurance. Most policies cover attached accessories such as awnings, satellite dishes, and air conditioners up to policy limits.

Personal belongings inside an insured RV receive protection–commonly capped between $2,000 and $5,000–against theft or loss. Storage-only coverage allows owners who park their RVs seasonally to pay reduced rates since the risk of accident diminishes significantly.

Emergency expense coverage reimburses temporary housing or travel costs after covered losses; limits typically range from $750 to $7,500 per incident. Vacation liability adds protection during parked stays at campgrounds by covering guest injuries up to specified amounts (often starting at $10,000).

Nationwide requirements vary: only liability is mandatory in all 50 states for motorized RVs that drive on public roads.