Recreational Vehicle Insurance

Recreational vehicles (RVs) are used for a variety of purposes, making them a popular choice for travelers and outdoor enthusiasts. However, like any other vehicle, an RV needs financial protection from unexpected events. Having Recreational Vehicle insurance is a smart way to mitigate losses and avoid financial setbacks.

Is RV Insurance Mandatory?

The need for RV insurance depends on several factors, including the type of RV and where it is driven or parked. In most states, liability coverage is required if the RV is motorized, similar to an automobile. If the RV is towable, such as a travel trailer or fifth wheel, insurance may not be legally required but could be necessary if financed through a lender. Some campgrounds and parks also request proof of coverage before allowing entry.

What Does RV Insurance Cover?

RV insurance includes various types of coverage that may help with damages and liability. A standard policy typically consists of the following components:

• Liability protection may compensate for property damage or bodily injuries caused to others in an accident.

• Collision coverage may reimburse your RV’s repair or replacement costs after an accident.

• Comprehensive coverage may cover damage unrelated to a collision, such as fire, theft or falling objects.

• Personal belongings coverage may provide compensation for items inside the RV, such as clothes, furniture, electronics and small appliances.

• Roadside assistance coverage may provide towing, minor repairs and other services in case of breakdowns.

Remember that while RV insurance may provide broad coverage, there are limitations. Many policies exclude coverage for the following:

• Wear and tear or maintenance-related damage

• Damage from pests or mold

• Damage from negligence or misuse

• Liability when using the RV as a permanent residence (unless covered by full-time RV insurance)

Learn More About This Coverage

Explore RV insurance options that align with your lifestyle. Contact Festival Auto Insurance today to learn more.