what does RV insurance cover?

The amount and type of RV insurance you need depends on how you use your vehicle. Discover the unique ways a policy through Esurance can safeguard your RV.

types of RV insurance coverage

Dwelling and vehicle. Pleasure cruiser and portable pad. Exotic getaway and home sweet home. When it comes to your beloved RV, it's hard to settle on a standard description. That's why it takes more than just standard auto insurance to protect it. Among other options, a basic RV policy through Esurance can include:

Liability coverage

Helps pay for others' medical bills and property damage if you cause an accident. Your state likely requires at least the same amount of RV liability coverage as it does auto liability insurance.

Collision and comprehensive coverage

Collision helps pay to repair damage to your RV after an accident you caused. Meanwhile, comprehensive can help replace your RV if it's stolen or fix non-collision damage from things like falling debris, vandalism, and fire.

Keep in mind, if you live in your RV full time (and don't have any other residences), your basic coverage needs may be a little different. Depending on your specific policy, you could be required to have higher liability limits, or even purchase a complete full-timer's package, which includes coverages similar to those on a homeowners policy.

more RV coverage options

When you get your policy through Esurance, you can add even more options to your RV insurance and secure protection for:

Your bodily injuries

Imagine you have an RV accident and sustain thousands of dollars worth of injuries — only you don't have enough health insurance to cover them. Thankfully, with medical payments coverage on your RV policy, you're covered.

In some states, you may have to reach your health insurance limit before medical payments can be used, and can only apply coverage to relatively recent injuries (the exact timeframe could depend on your policy, but typically within the last few years).

Your valuables

Your RV likely has a bevy of valuables regular vehicles don't, such as camping equipment, portable electronics, clothing, cooking supplies, and much more.

Thankfully, protection through Esurance can help guard your personal effects so you can enjoy your RV to its fullest while keeping worries at a minimum.

Your peace of mind

A policy through Esurance has all the supplemental options you need to feel comfortable on the road, such as:

  • Uninsured/underinsured motorist coverage
  • Emergency towing
  • Coverage for rental cars if your RV breaks down

Wonder if you could be saving on RV insurance?

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