RV insurance protects your motorhome, travel trailer, camper, fifth wheel, etc. There is a variety of coverages meant to protect your vehicle and provide peace of mind on trips and vacations or if you use your RV as a permanent residence. If you are "driving" a motorhome, you will also need liability coverage to stay legal on the road. If you are "pulling" a travel trailer, your state won't require you to insure the RV, as you're already covered for liability on your auto insurance policy.
Property damage liability
If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property.
Regardless of who’s at fault, collision pays for damage to your RV or motorhome if you’re in an accident with another vehicle. Collision also covers RV or motorhome rollovers.
Bodily injury liability
If you cause an accident with your RV and someone is injured, this coverage can help pay their medical bills and loss of income.
This coverage can help pay for non-collision damage to your RV. This includes damage from theft, vandalism, failing objects, fire, storms, and floods
Protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage also protect you from covered hit-and-run accidents.
No matter who is at fault, medical pay can help cover medical bills for you and your passengers if your RV is involved in an accident.