Owning a recreational vehicle (RV) opens the door to endless travel adventures, but using it also comes with risks. RVs face potential hazards that could lead to costly repairs or liabilities, such as collisions on highways or fires at campsites. With RV insurance, you may avoid financial loss in case of unforeseen events, making it an essential consideration for any RV owner.

What Qualifies as a Recreational Vehicle?

Recreational vehicles encompass a broad range of vehicles designed for travel and leisure. They can be motorized and often come equipped with features such as beds, kitchens and bathrooms. These include motorhomes (Class A, B and C), camper vans, travel trailers, fifth wheels and truck campers. ATVs and snowmobiles may also be classified as recreational vehicles for insurance purposes. Different types of RVs may require specific coverage options depending on their use and value.

How Does RV Insurance Work?

When you purchase an RV insurance policy, you select coverage options like liability, collision, comprehensive and additional protections such as roadside assistance or personal belongings coverage. In case of a covered event, such as an accident or theft, you file a claim with your insurer, who evaluates the damage or loss and determines the payout based on your policy terms. If your claim is approved, the policy may pay for repairs, replacements or costs associated with liability claims.

What Coverages Are Included?

RV insurance typically offers a mix of coverage options, including the following:

• Liability coverage may cover property damage or bodily injuries you cause to others.
• Collision coverage may pay for repairs to your RV after an accident.
• Comprehensive coverage may provide financial aid following noncollision incidents like fire or theft.
• Personal belongings coverage may help repair or replace items inside your RV, such as clothing and electronics after a covered incident.
• Emergency expenses coverage may cover costs for lodging and transportation if your RV becomes uninhabitable while traveling.

Contact Us

Discover affordable RV insurance options with Metro One Insurance Agency. Our team can help you find appropriate coverage. Contact us today.