Standard RV coverages
Comprehensive and collision
Comprehensive insurance protects your RV against situations beyond your control, including theft, vandalism, fire, glass breakage, weather-related mishaps, and animal collisions. If your RV is damaged in an accident with an object or another vehicle, collision coverage will repair or replace it regardless of responsibility. A deductible is required for both comprehensive and collision coverage.
Example: Your travel trailer is damaged due to hail while parked at a campsite. Comprehensive coverage pays for the repairs minus your deductible.
Liability
Pays for any damages or injuries caused by you. Liability coverage, for example, is required by law if you drive your RV. However, because your trailer is hauled by a motor vehicle, you will not be able to select liability coverage when insuring it. Simply ensure that the vehicle towing your travel trailer has liability insurance.
Example: Assume you cause an accident while driving your motorhome, causing damage to another vehicle and injuring the driver. Up to the limits of your policy, RV liability insurance covers the driver's medical expenditures and vehicle repairs.
Uninsured/underinsured motorist (UM/UIM)
If a motorist hits you with no insurance or insufficient insurance, UM/UIM can pay for your injuries, RV damage, and lost wages if you can't work.
Example: You're rear-ended by a driver with no insurance. Your motorhome is damaged, and one of the passengers is injured. UM/UIM covers the repairs to your RV and your passenger's medical bills up to your policy's limits.
Medical payments
It covers medical bills for you and your passengers if you're in an accident with your motorhome, regardless of fault. Note that medical payments don't apply to travel trailer policies.
Example: Assume your spouse gets injured in a car accident while traveling in your motorhome. Even if the accident was your responsibility, medical payments would cover your spouse's hospital fees.
Additional Coverages include roadside assistance, total loss replacement, vacation liability, full-timers liability & many more.
