The Wandering RV

What Does RV Insurance Cover? A Complete Guide

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What does RV insurance cover? And, when is RV insurance required?

Below, we go over all of the various things that are and aren’t covered by your RV insurance, so you know exactly what to expect when you make a claim.

Table of Contents

Basic RV Insurance Coverages

Regardless of which RV insurance policy and premiums you pick, or what kind of camper you have, all RV insurance covers the following:

Optional RV Insurance Coverages

You can add the following additional options to your RV insurance coverage depending on your specific needs, but these are not included with base insurance plans:

Full-Time RV Insurance Coverages

If you plan on being in your RV for 6 months out of the year (or for at least 150 nights per year), you need to have full-time RV insurance. With full-time RV insurance, you receive broader liability coverages that protect you for a longer period of time.

A few examples of this coverage include (but aren’t limited to):

Click here to learn more about full-time RV insurance.

RV Coverage FAQs

Here are some common RV coverage questions & answers:

If you have full coverage insurance and the leak was caused by a covered peril, then yes! Your RV insurance will cover a leak.

Three common coverages found within your policy that protect against water leaks are:

Depending on the type of damage that occurred, any of these coverages could pay to fix the leak (as well as any part of your RV or belongings inside your RV that were affected).

No, RV insurance does NOT cover pets. However, you can get a separate pet insurance if you’re bringing your dog or cat along with you!

After receiving the repair estimate, an RV can either be repaired or deemed a total loss. If the repair estimate is at least 75% of the cost of the RV, it is considered a total loss.

Depending on how much damage there is, the insurance company will turn over a totaled RV to a salvage yard where it’s auctioned for parts.

Some insurance companies will sell the RV back to you to have the RV fixed, but the total cost will depend on the condition of the vehicle, repairs, and additional salvage costs.

Actual cash value coverage will pay out what your RV was worth at the time of loss. If you have actual cash coverage, your insurance company will offer a reimbursement of the current cash value of your RV, not what you paid for it back in the day.

If you damage your RV or cause injuries to someone else (and/or their property), you can file a claim with your insurance provider. Depending on the incident that occurred, your insurer may pay for the losses or injuries up to your coverage amount.

Click here to read our full guide to how RV insurance coverages work.

If you store your RV for part of the year, such as during the winter, you may be able to save some money by getting seasonal RV insurance.

Seasonal RV insurance, also called RV storage insurance or RV lot insurance, drops collision coverage to save you money (since it won’t be on the road).

Click here to learn more about seasonal RV insurance.

Your RV insurance will only cover drivers you list on your policy when you purchase it. You can contact your insurance company about adding additional drivers if you need to.

Yes, RV insurance covers theft! If your camper is stolen, you can just make a claim with your insurance company and follow their procedures.

Other RV Insurance Articles

If you are still researching RV insurance, here are some other guides we have to help you understand your coverage fully:

Get an RV Insurance Quote Now

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