Recreational Vehicle Insurance

Recreational vehicles do more than take you from point A to point B, they’re designed for fun, comfort, and adventure. But owning an RV, boat, or other recreational vehicle also comes with risks. These vehicles are valuable assets, and because they’re used on the road or water, they carry liability risks as well. Having the right insurance is essential.

Liability Coverage for RVs

Like a car, your recreational vehicle can cause bodily injury or property damage in an accident. Liability insurance helps pay for:

• Injuries or property damage you cause to others.

• Environmental cleanup costs (for example, if fuel or chemicals spill after an accident).

Liability policies typically include:

• Per-incident limits: the maximum paid per accident.

• Policy limits: the maximum paid during your policy term.

• Deductibles: your out-of-pocket costs before coverage begins.

Property Coverage for RVs

Protecting the vehicle itself is just as important. RV insurance can cover:

• Physical damage from accidents or collisions

• Vandalism or theft

• Weather-related damage (such as storms)

• Personal belongings stored inside your RV, boat, or snowmobile

Additional Coverage Options

Depending on how you use your RV, you may want to consider:

• Custom equipment coverage: protects awnings, upgrades, or special features.

• Full-time RV coverage: if your RV is your primary residence.

• Specialized protection: tailored for boats, campers, or other recreational vehicles.