An Introduction to RV Insurance
Insurance coverage for recreational vehicles (RVs) can be a
complicated issue. RVs combine many aspects of regular traveling
vehicles with aspects of a home. There are several issues that
need to be considered when purchasing RV insurance. First, all
conventional car insurance issues must be covered. Second, it is
a good idea to insure items inside the RV as well. Other issues
arise for people who live predominantly in their RV and do not
have a permanent residence anywhere else.
The definition of an RV is somewhat loose. An RV is
traditionally viewed as a motor home, but many travel trailers,
fifth wheels, and tour buses are considered RVs as well.
Since RVs are motor vehicles, they must be covered for
conventional car insurance issues such as liability, collision,
and uninsured or underinsured motorists. It is a legal
requirement to have liability insurance, which covers all
damages and bodily harm that is caused by the insured RV
motorist. This protects people who the RV owner may collide
with, and guarantees that they will receive compensation.
Collision insurance covers any damage done to the RV when a
collision occurs. This includes situations in which the RV
collides with an object or an object collides with the RV. It is
a good idea for RV owners to purchase uninsured or underinsured
motorist coverage as well. This type of coverage protects the RV
owner from having to pay for any damages caused by another
vehicle driven by someone who does not have enough insurance to
cover the damages.
RVs usually include appliances; it is a good idea, though it is
not legally required, to insure these as well. The main
difference between RV insurance and standard car insurance is
that RV insurance policies can cover appliances and personal
items in the RV. Plumbing, electrical problems, and other issues
can be covered by RV insurance policies. Other items in the RV
-- like TVs, stereos, or furniture -- can also be insured. This
is similar to homeowner