Recreational Vehicle Insurance

Recreational Vehicle Insurance Coverage

Taking a family trip to various states in your recreational vehicle (RV) is a dream for every American citizen. Maintaining the proper recreational vehicle insurance is one way to ensure full protection for your RV and anyone in the vehicle. RV’s come in different types and sizes, so the insurance rates are bound to change from one vehicle to another.

Various Recreational Vehicles Insurance Policies

Some of the recreational vehicles covered under this insurance policy include the golf carts, 4-wheel all terrain vehicles, snowmobiles, trailers, motor homes, camper vans, and antique vehicles among others. The insurance companies offer plenty of RV insurance policies, but the policyholder has the liberty to customize the plans according to their needs. Some of the standard RV insurance coverage includes:

Comprehensive coverage- this is protection from any other damage other than collision. It covers incidences such as theft, vandalism, hailstorm, and fire among others.

Property damage liability- this provides coverage for the accidents caused by other people’s vehicles or property.

Collision- this covers for the damage caused to your recreational vehicle following an accident.

Bodily injury liability- this pays for the injury or death of another person following an accident.

Uninsured or underinsured coverage- this policy comes in handy in cases of hit and run and for the uncovered vehicles. It covers the bodily injury for the recreational vehicles owners and the passengers hurt by other drivers.

Underwriting and Discounts

Insurance companies use various factors to determine the amount of income that the recreational vehicle owners should pay. Some of the common factors include the marital status, the previous driving record, the age and gender of the driver, the residence area, prior coverage history, and the use of the vehicle. The policyholders are also entitled to various discounts, which may include low mileage drivers, good driver, installation of anti-theft and safety devices, and multiple vehicle coverage.


Recreational vehicle insurance is a legal requirement in some states while others do not require the coverage. Therefore, you may need to conduct a search on the states laws before taking one. However, it is necessary to maintain an insurance coverage that provides protection during travel.