RV Travel Insurance Checklist

Not having the right RV travel insurance is a common occurrence. You don’t want to find out too late that you are not sufficiently covered.

How much is RV insurance? You should look at quotes from at least three different insurers for comparison before choosing a policy. Read carefully then make comparisons based on rate while considering all the items listed below.

It’s best to go with a company who specializes in RV coverage instead of your regular auto insurance company. The full-time Rver should make sure they are covered for full time use of their RV.

If improperly covered you could have a total loss and your claim be denied leaving you with nothing. Traditional auto policies will have gaps that could leave you under insured, so shop carefully. A standard auto policy coverage won't fully cover you if you have a mishap at your campsite, or offer total replacement if your RV is totaled.

Adding your RV to your auto policy may be convenient, but a specialized RV travel insurance company will have knowledge of the specific insurance needs of full time use.

The differences between a traditional auto policy and those necessary for full-timers are significant. To name a few of these differences there is unlimited mileage towing, hotel reimbursement for full-timers when their coach isn't livable.

An RV travel insurance agency can help you best match your RV and usage to your insurance policy. A specialty RV policy will provide much more protection for your RV home, will help you find the best combination of price and coverage and surprisingly it can sometimes cost less that a traditional auto policy.

Remember as a full-timer you need vehicle insurance coverage for the RV, it's contents, and it's liabilities. You should also have comprehensive personal liability to cover things that may occur on and around your campsite. You may also require coverage for valuables or belongings stored somewhere other than in your RV.

Compare RV Insurance Options

  • 24/7 Emergency Roadside Assistance
  • Awning Replacement Coverage
  • Collision with Another Vehicle
  • Collisions with Low Branch or Overhangs
  • Coverage for Accessories
  • Custom Equipment Coverage
  • Damage by Stray Animals
  • Flood and Fire Insurance
  • Full Timer Coverage
  • Guaranteed Total Loss Replacement
  • High Liability Limits
  • Personal Items (Contents) Coverage
  • Purchase Price Guarantee
  • Theft of Personal Property
  • Travel Insurance
  • Vacation Liability
  • Vandalism Damage
  • Windstorm Insurance

RV Insurance Terminology

Total Loss Replacement (TLR) or Replacement Cost Coverage, if your RV is a complete loss this RV travel insurance coverage replaces your RV with a new one. This coverage is usually only available for RVs no more than 5 years old. You can buy Purchase Price Guarantee or Actual Cash Value insurance for RVs over 5 years old.

Purchase Price Guarantee (PPG) Reimburses owners for the amount paid for the RV towards the purchase of another RV in case of a total loss. Depending on the insurance company this coverage can be purchased for the life of the RV, or for the first 10 years when it will convert to an Actual Cash Value policy.

Value (ACV) Coverage pays the depreciated, fair-market value of your RV in case of a total loss. This is the most common policy offered to RV owners.

Vacation Liability (VL) Liability coverage while your RV is parked at a campsite. Similar to a homeowner’s policy, if someone is injured at your campsite your liability is covered up to the specified policy limits.

Full-Timer Coverage (FTC) Works like a homeowner’s policy for the full time RV insurance or RV liability insurance covers possible liabilities including personal liability and additional living expenses. Agents have told us the only difference in FTC is the liability coverage should someone be injured at your campsite and the cost of living expenses like hotels should your RV be a total loss.

Personal Contents Coverage (PCC) Covers items in your RV such as tools and clothes. If you have a homeowner’s policy it might provide coverage, but there are limitations and you should check to see what your policy covers.

Some RV Insurance Companies currently offering FTC coverage: Good Sam, Progressive, GMAC, National Interstate, AARP, GEICO. You can find RV insurance options with State Farm or Foremost RV insurance also.