Coverage Overview
Whether you own a Class A motorhome or a towable travel trailer, an RV sits in a gap between auto and homeowners coverage that neither policy fully closes on its own.
What RV coverage typically includes
- Liability and collision coverage for the RV itself, similar to auto coverage
- Comprehensive coverage for theft, fire, and weather damage
- Personal belongings coverage for what you carry inside while traveling or camping
- Vacation liability coverage if you use the RV as a temporary residence while parked at a campsite
- Full-timer coverage for owners who live in their RV year-round, which adds liability protection closer to what a homeowners policy provides
RV Insurance FAQ
Do travel trailers need separate insurance from my truck's auto policy?
Yes. Your truck's auto policy generally provides only limited liability coverage while towing - it doesn't cover physical damage to the trailer itself or your belongings inside it. A dedicated RV or trailer policy is what actually protects the trailer.
What is "full-timer" RV coverage and do I need it?
If you live in your RV as your primary residence rather than using it for occasional travel, a standard RV policy's liability limits usually aren't built for that exposure. Full-timer coverage adds liability protection closer to a homeowners policy, since the RV is functioning as your home.
Does RV insurance cover my belongings while camping?
Most RV policies include personal effects coverage for what you keep inside, though limits vary - worth checking against the value of what you actually travel with, especially electronics or outdoor gear.