RV insurance requirements
RV insurance requirements define the minimum coverage mandates set by state law for motorhomes, camper vans, and travel trailers when used on public roads. Most US states require liability insurance for RVs, with limits similar to auto insurance–e.g, according to a report from YourInsuranceInfo.
California requires $15,000 per person/$30,000 per accident for bodily injury and $5,000 for property damage. States such as Michigan mandate no-fault personal injury protection for motorhomes but not for towable trailers.
Lenders typically require comprehensive and collision coverage on financed RVs like Class A diesel pushers or Class C cabovers. Full-timers must obtain specialized full-time RV insurance because traditional vacation-only policies exclude primary residence use.
Liability-only coverage meets legal minimums, but states such as Florida require proof of insurance at registration before issuing plates. States like Texas and New York do not require insurance on non-motorized travel trailers but do on drivable RVs.
Insurance companies–including Progressive, Geico, and State Farm–commonly offer additional protections like roadside assistance that are optional under the law but may be mandated by your lender. Proof of valid RV insurance must be produced during traffic stops or after accidents in all jurisdictions, with penalties including license suspension or fines exceeding $500 in some states.
Crossing into Canada generally requires proof of at least state-minimum liability coverage; provinces like Ontario may request a “Canadian Non-Resident Interprovince Motor Vehicle Liability Card.” Specialty coverages such as personal property replacement or emergency expense reimbursement are optional but often recommended by consumer advocacy groups like Consumer Reports due to frequent claims from theft or fire in RV parks.
Are you required to have insurance on a travel trailer?
Yes, you are required to have insurance on a travel trailer. Most states mandate that vehicles used for transporting people and property must be insured, including any travel trailers or recreational vehicles you might own. If your trailer is being financed, the bank will typically require proof of insurance before allowing the loan to proceed.…
Do you have to carry insurance on a travel trailer?
Yes, it is necessary to carry insurance on a travel trailer. This type of insurance provides coverage for damage or theft of the trailer, as well as liability protection against potential claims from third parties in case of an accident involving the trailer. Some states may require this type of insurance in order to register…
Do you have to have insurance on a camper?
Yes, insurance is typically required for a camper. Most states require recreational vehicle owners to have insurance coverage on their RV in order to legally operate it on public roads. Most lenders require borrowers to purchase an appropriate amount of insurance when financing the purchase of an RV or camper. Therefore, having insurance coverage on…
Is RV insurance required?
Yes, RV insurance is required. All states have different requirements for coverage levels and what type of protection you need to maintain on your vehicle. Most states require at least liability insurance in order to operate an RV on public roads and failure to have the required minimum can result in fines or other legal…
Do pop-up campers require insurance?
Yes, pop-up campers require insurance. While individual state laws vary, there is a general agreement among insurers that owners of these types of recreational vehicles need to have coverage in order to protect their assets and be compliant with the law. Insurance policies can cover personal items as well as physical damage done to the…
Does a truck camper need insurance?
Yes, a truck camper does need insurance. It is important to be properly insured in case of an accident or damage due to an unforeseen event. The types and levels of coverage can vary depending on the needs and preference of the owner. Many states may require a certain amount of liability insurance for recreational…
See also RV insurance tips.