RV insurance
An RV combines vehicle, property and temporary-residence exposures.
The right form depends on the type of unit and how it is used.
Motorized versus towable
Motorhomes require auto liability; travel trailers generally rely on the towing vehicle for road liability but need physical-damage and property coverage of their own.
Contents and attachments
Personal belongings, awnings, satellite equipment and permanently attached accessories may require specific limits.
Vacation liability
Coverage while the RV is parked and used as a temporary residence is different from road liability.
Full-time use and rentals
Full-time residence, extended stays, business use and peer-to-peer rental can require specialized underwriting.
Complete household protection