What Does RV Insurance Cover? (Explained For Beginners)

Having a successful outing in your RV will come down to two things.  These are spectacular planning and amazing RV insurance. Because your RV will be putting in a lot of miles, you want to make sure that you are protected at every turn.

What does RV insurance cover?
Your RV insurance should cover:

  • Collisions
  • Theft
  • Roadside assistance
  • Uninsured motorists
  • Water damages
  • Mold
  • Rodent damages
  • Delamination

But there’s more to it than just that. Let’s take a closer look at what exactly you need from a good insurance company when we are talking motorhomes and campers!

Here is everything you need to know about getting the right RV insurance coverage for you.

So, before you head for the sunset on the horizon, make sure that all of your bases are covered.

What should you expect your typical RV insurance plan to cover?

RV accident insurance

RV insurance is much more than a piece of paper.  RV insurance is peace of mind.

Traveling should be fun and void or worries.  While you can’t plan for everything in your path, having some excellent insurance in your corner is a great way to be sure that your adventure can keep rolling on no matter what is thrown your way.

These are some of the things you can come to expect your typical RV insurance plan to cover:

  • Collision 

Collision means much more than a multiple vehicle accident.  Driving an RV is a whole different ballgame, especially for new RV explores.  The biggest thing drivers need to learn to adjust to is the height of their camper.

To do this, you should always be aware of the height of your RV.  Paying close attention to height warning signs will be key.  Having insurance will be there for you when you miscalculate how low that pesky tree branch may be hanging.

  • Theft 

While it may be absurd to think about someone stealing such a large vehicle like an RV, however, it does happen.  Also, when you consider the cargo you will be traveling with, it is better to be safe than sorry.

The beauty of traveling with an RV is that you can bring along as many of your favorite possessions that you can fit into your camper.  Having an insurance policy that will keep you covered is perfect in times like these.

While precious memories can never be replaced, it is nice to know that your stuff won’t suffer the same fate.

  • Roadside Assistance 

Even the best self-taught tire changer can have difficulties when it comes to having an RV break down.  Many insurance plans will offer some form of assistance to help you get out an unseen sticky situation.

There is nothing that can kill a vacation vibe faster than getting stranded along the way to your dream destination.  Services like a gas refill, tire change, towing and battery restarts can make all the difference when it comes to getting back on the road safely and quickly.

  • Personal Injury Protection

While injuries are something to be avoided when hitting the great outdoors, they can happen.

Having an insurance plan that covers all forms of personal injury is a must when traveling in an RV.  This can be everything from injuries due to collision or personal injuries due to an accidental fall inside your camper.

With the right insurance coverage, you won’t be left with high costs and lost time.

  • Uninsured Motorists

While you may be diligent in protecting yourself and your family with the right amount of RV insurance, not everyone on the road is so well prepared.

Having insurance that will protect you from unprotected motorists is key.  This is especially true in “no-fault” cases or where the other motorist in the collision is found at fault.

You shouldn’t be punished for someone else’s mistake.  So, it is good to know that many basic RV insurance plans will cover you in these circumstances.

Unseen problems that some RV insurance plans can cover

Most people expect that their RV insurance will be there for them in common times of need, but, what about the unseen problems that can occur?  While finding adventure in an RV can be full of wonder, it can also be filled with sudden dread.

This is especially true if you are not used to the type of terrain you will be traveling in.  The only thing more unpredictable than travel is the weather. 

While mother nature is beautiful in all her glory, she can also cause the same amount of heartache.  Here are some of the less common insurance coverage that you should look into when choosing the right policy:

  • Water Damage 

One extra that you may want to consider adding when looking for the right RV insurance policy for you is protection from water damage.  This is especially important for all season travelers.  There are many different reasons why your camper may be taking in water.  From leaks to sudden flooding, it doesn’t hurt to have that extra coverage.

  • Mold

Water damage can obviously do some serious damage to your possessions but there is one unseen danger that can come from a sudden surge of water.  This is mold.

Mold can grow completely undetected if water damage isn’t properly taken care of.  Not only can mold ruin the interior of your dream camper but also can increase health problems that can put your family at risk.

  • Rodent Damage

You are sure to run into more than a few of the world’s little furry creatures along the road. While some of these animals are cuddly in nature, some can do some serious damage to your RV.

This is especially true if you leave your camper stored and unattended throughout the colder seasons. Creatures like mice and bats are looking for dark or warm spaces to call home and your empty camper makes a perfect home for them.

Little teeth and claws can rip through upholstery and bite through tiny cables and wires inside your camper. Some premium insurance plans can help to ease your mind when it comes to protecting yourself against mother nature. This can cover such services like rodent removable and damage repairs.

  • Delamination

When traveling in an RV, the last thing you are thinking of is the stress the constant travel can cause on the mechanics and structure of your camper.

Over time, steel and gears can shift from settling as well as strain on the mechanical system of your RV. While most of these problems can easily be seen as regular maintenance, some repairs can be more costly than other.

Some RV insurance premium plans can help to relieve some of the stress of costly steel repairs.

Where can you find the best RV insurance plan for your lifestyle?

RV cleaning

Now that you know what to look for in a great RV insurance plan as well as what you can expect them to cover, it is time to do some shopping.

It should also be noted that many RV insurance plans can be customized to suit your exact needs, so make sure that you know what type of concerns you have when it comes to traveling.

Here are some of the top sources for RV insurance:

Progressive remains the number one company for RV insurance coverage.  From several plans and discounts to choose from, you can worry less about the future and focus more on the road ahead of you.

Using a larger insurance company for your RV comes with plenty of benefits.  Avid RV campers prefer Nationwide because of their excellent customer service.

When it comes to times of stress, it’s nice to know there will always be someone there to answer the call.

If you’re in the market for an insurance giant that specializes in RVs and motorhomes, Blue Sky Insurance is there for you.  RV travelers love Blue Sky Insurance for their needs because they offer a small company feeling with all of the benefits of other insurance titans.

When it comes to finding the right insurance plan for your motorhome, you have options.

The most important thing to remember is that you should have an idea of what type of coverage you will need.

It is equally important to ensure that you travel with your plans when out on an adventure.  This will help to remove any confusion or guesswork.  The last place you would want to be is on the side of the road wondering if your insurance will be there to help you out or not.  Good luck.

Sources: RVshare.com, lendedu.com, trustedchoice.com.

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