What to look for with RV insurance

Like any other vehicle, you'll need to get insurance for your RV to protect you in case of an accident. However, there is a distinct difference between most insurance policies and RV insurance. This comes from the array of uses, models, and the various liabilities that are specific to RVs. Are you driving a motorhome or are you towing? Do you live in it all year round? What about coverage inside the RV? Or what if someone trips and breaks their leg while visiting your RV?

Some RV insurance policies will cover the contents of your RV inside and outside as part of the standard policy coverage. However, you can typically pay an extra premium to cover your personal belongs inside the RV. Plus, here are some of the specializations your RV insurance could include:

Total loss replacement
Applicable to buyers of new RV's, it replaces the unit with a similar unit, even if the replacement costs more than the original.

Replacement cost of personal belongings
RV policies give you the option to specify a limit to include all of your personal belongings destroyed by most events.

Fulltimer liability
Offers liability coverage similar to homeowner's insurance when the RV is parked and is used as a residence.

Campsite liability
Similar to fulltimer liability, but designed for short-term vacationers.

Emergency expenses
Reimburses expenses related to living outside the RV while it is being repaired

Higher liability limits
Because most RV's are much larger than cars, they have the potential to cause a significant amount of damage in a mishap. Higher limits provide greater financial protection after an unfortunate incident.

Medium duty tow trucks
Covers trucks over one ton when used to tow a trailer or fifth wheel.

Suspend collision coverage when in storage
When the RV is in storage, you can suspend portions of the policy that apply only when the RV is moving on the road, such as collision coverage. This is a cost-saving option because you are not paying for unnecessary coverage.