Owning a recreational vehicle (RV) can lead to exciting adventures, but it may also present unforeseen setbacks. Like any vehicle, RVs can be involved in accidents or incidents leading to unexpected expenses. However, a typical car insurance policy may not apply to your vehicle and may leave gaps in coverage that expose you to high out-of-pocket costs. If you own an RV, it’s worth considering specific insurance that can help protect your RV from costly damage and liability claims. 
The following basic coverages may be included or available to add to your RV policy:
- Bodily injury liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverages
Other add-on coverages that may be available include roadside assistance, full-time RV coverage and personal property coverage.
What Is the Difference Between Liability Insurance, Comprehensive Insurance and Collision Insurance for RVs?
Liability insurance, comprehensive insurance and collision insurance offer different but uniquely important coverages.
Liability insurance—often separated by bodily injury and property damage coverages—usually applies when you are responsible for an incident involving another party. Liability coverages may help pay for property damage or bodily injuries you cause while driving your RV and may help cover legal fees resulting from such accidents.
Collision coverage may help cover damage to your RV in the event of an accident, regardless of who is at fault. Comprehensive coverage may help cover noncollision damage to your RV, such as theft, vandalism or certain weather-related damage.
Is There RV Insurance Designed for Seasonal Storage or Periods of Non-use?
Even if you don’t use your RV year-round, you will likely want to maintain insurance coverage for the entire year. Depending on your situation, you may consider whether retaining full coverage is necessary or if storage-only insurance fits your needs.
Storage-only RV insurance may help cover incidents that occur where your vehicle is being stored, such as vandalism, theft or certain weather-related damages. Even if you store your RV on your property, it is not guaranteed to be protected from such risks. Storage-only RV insurance does not apply to collisions. If your RV is in storage and another vehicle collides with it, storage-only insurance may not cover the incident. Full coverage may help pay for collision-related incidents even while the RV is stored.
Talk to a qualified insurance agent to understand your policy options.
How Are RV Insurance Rates Determined by Insurance Companies?
Insurance companies use the following factors to determine RV insurance rates:
- Vehicle make and model
- Age of the vehicle
- Whether the vehicle is used for personal or business purposes
- The vehicle’s safety features
- Your driving record
- The location where the vehicle is primarily kept and driven
Contact Abbott Insurance Agency LLC for an accurate RV insurance quote. We’ll work with you to ensure you are financially protected from the unexpected.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.