RV insurance is a must-have whether you’re planning a cross-country road trip or weekend camping getaway. Recreational vehicles are part home, part vehicle—so they need special coverage that protects both your wheels and your way of life.
Just like your car or home, your RV needs the right protection. But since an RV can serve as both a vehicle and a residence, insurance for it isn’t one-size-fits-all. Here’s what you should know before your next trip.
🛡️ What Is RV Insurance?
RV insurance is a unique blend of auto and homeowners insurance designed to protect motorhomes, camper vans, travel trailers, and fifth wheels. Just like car insurance, it offers liability, collision, and comprehensive coverage—but also includes extras for when your RV becomes your home on the road.
🚐 Types of RVs That Need Insurance
There are several RV types that may need coverage, including:
- Class A Motorhomes – Luxury buses and large RVs
- Class B Motorhomes – Compact camper vans
- Class C Motorhomes – Mid-sized RVs with over-cab sleeping
- Towable RVs – Travel trailers, pop-ups, fifth wheels
- Motorized RVs legally require liability insurance. Towable trailers may not, but it’s still wise to get physical damage and personal property coverage.
🔐 What Does RV Insurance Cover?
A standard RV insurance policy can include:
✅ Liability Coverage – For injuries or damages you cause
✅ Collision Coverage – For accidents regardless of fault✅ Comprehensive Coverage – For theft, fire, weather, and more
✅ Personal Property – Protects belongings inside the RV
✅ Vacation Liability – For when you’re parked and living in your RV
✅ Emergency Expenses – Covers hotel, transport, or lodging if your RV is damaged
✅ Roadside Assistance – Flat tires, towing, and breakdown help
🧾 Do You Need RV Insurance?
- Motorized RVs are required to carry at least minimum liability insurance (just like a car).
- Towable RVs typically aren’t required to have separate liability coverage since it’s usually extended from the towing vehicle’s policy. However, adding coverage for physical damage and personal property is highly recommended.
If you’ve financed your RV, your lender will likely require full coverage until the loan is paid off.
💡 Pro Tips for RV Insurance Shoppers
- Bundle with Auto or Home Insurance for possible discounts
- Customize Based on Use – Weekend trips vs full-time RV living
- Keep an Inventory of personal items stored in the RV
- Ask About Deductibles & Coverage Limits
📞 Ready to Protect Your Adventure?
At McKinnon Insurance, we’ll help you find the RV insurance policy that fits your lifestyle—whether you’re a weekend camper or full-time road warrior.
📍 Local to Dover, Ohio? We’ve got your back.
📞 Call us at 330-339-3431 or visit joelmckinnon.com to request a free quote.