The insurance you need depends on your RV type. Motorhomes require general liability insurance, while towables like pop-up campers may not need separate insurance as the towing vehicle's policy often extends coverage
Insurance requirements can vary by state. If you can drive your RV, most states require it to be insured. However, towed RVs might not have mandatory insurance requirements, but it's still wise to have coverage
V Full-time RV users may need a different policy that considers the RV as both a residence and a vehicle
Collision coverage helps with repairs if you're responsible for a crash, while comprehensive coverage protects against non-collision incidents like theft, weather damage, or animal collisions
This protects you against costs from accidents with drivers who have insufficient or no insurance
For motorhomes towing a vehicle (toad), separate policies for each may be advisable, as the motorhome's insurance might not cover the towed vehicle's damages
Insurers may ask for the 'garaging address' of the RV to assess liability based on its most frequent location, which could be different from the owner's home address
This coverage protects personal items in your RV and attachments like antennas or awnings
Covers costs related to emergencies, like accommodation if the RV is unusable, and assistance for on-road issues like flat tires
Different insurers offer varied coverage options. It's important to understand policy details and compare rates to find the best coverage for your specific needs