Recreational Vehicle Insurance

Information on Recreational Vehicle (RV) Insurance


Good RV insurance gives policyholders invaluable protection in the ownership and operation of an RV. It also gives financial help to the insured for any accidents or other various covered incidents that can result in partial or even complete loss of an RV and one’s belongings within. Coverage is activated by loss resulting from natural events or human actions. As a result of proper coverage, your RV can be repaired or replaced and this means that you can get yourself back on the road and enjoying your vacation quickly.

Who Should Have Coverage?

This kind of coverage is for those who own and operate a motor home of some kind or various all-terrain vehicles (ATVs) or other motorized recreational modes of recreation. To legally operate these vehicles, either for long road trips or just for having some fun on vacation, one must carry this kind of insurance coverage. Towable RVs are also covered, like trailer campers, pop-up tent trailers, and more.

How it Works

In order for an RV owner to receive a payout after a claim is filed with the insurance company, he or she must, of course, have been consistent and on time in the paying of their premiums. After a claim is filed, the insurance provider will usually seek to ensure the legitimacy of the claim and to also ascertain the cause of damage and the repair or replacement expense.

Types of coverage

A “total loss replacement” type of insurance plan is what can pay out the approximate value to fully replace a damaged recreational vehicle with one that is brand-new. The payout is determined by assessing the current market value of the RV that is being replaced. “Replacement cost personal effects” coverage is similar but is intended for the replacement of any personal belongings that may have been stolen, lost or damaged. This would normally include such things as jewelry, electronic devices and appliances, furniture and so on. It is smart that the policyholder keep a detailed list of all valuable belongings that are on the RV. There is also insurance coverage that includes mechanical repairs and roadside assistance should the RV cease to run.

Big benefits

RV insurance can give policyholders great relief from what otherwise might be enormous out-of-pocket costs on repairs that are the result of accidents with other vehicles or objects, as well as that which results from a variety of other things. A big plus is the built-in protection for the RV owners whose vehicles are stolen and not recovered. In such cases they can be replaced with a similar model. RV owners can also reap the benefits of peace of mind in the knowing that they are protected while away from home. An RV owner can also be protected from vandalism in remote areas or even camping places.