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What is RV Insurance?
RV insurance coverage is provided up to the limits specified in the policy and usually includes a deductible that must be paid before the insurance steps in. This type of protection applies to every class of motorhome (A,B, and C), as well as travel trailers, fifth wheels, pop-up campers, and truck trailers.
What Is Covered By An RV Insurance Policy?
Bodily Injury Liability
Bodily injury liability applies to injuries sustained by others as a result of an accident involving your RV. This coverage may also pay for lost wages, funeral expenses, or rehab.
Medical Payments or Personal Injury Protection (PIP)
Medical payments protection applies to injuries you or your passengers sustain in an accident involving your RV. Limits to this coverage will be specified in your policy.
Property Damage Liability
This coverage applies when you or someone driving your RV with your permission causes damage to someone else’s property. This damage can include that caused to motor vehicles, RVs, or other property, such as lamp posts, buildings, and fences.
Collision coverage applies to damage your RV sustains in an accident. It may apply regardless of whether or not you are at fault in the accident.
This coverage applies to damage your RV sustains as a result of non-accident-related events. These events can include theft, vandalism, natural disasters, falling objects, rocks, debris, impacts from animals, and other events.
Uninsured and Underinsured Motorist Coverage
This type of coverage applies when your RV is damaged by a driver who does not have insurance or does not have enough insurance to cover the related costs. This coverage also applies to hit and runs and may cover medical expenses.