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Personal coverage

RV Insurance

A recreational vehicle is both a vehicle and, often, a home on wheels — and California requires liability coverage to drive a motorized RV, while lenders require full coverage on any RV they finance. A dedicated policy protects the vehicle, your belongings inside it, and your liability on the road, covering risks a standard auto policy simply isn't built to handle.

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Who this coverage is for

This is for owners of motorhomes, travel trailers, fifth wheels, and camper vans who use them for road trips, vacations, or even full-time living. It goes beyond a basic auto policy because an RV is both a vehicle and, often, a home on wheels.

What it can help protect

RV insurance can combine coverage for the vehicle and the living space:

  • The RV itself — repairs or replacement after a collision, theft, fire, or storm damage.
  • Liability — costs if you cause injury or damage to others while driving a motorized RV.
  • Your belongings — personal items and gear you keep inside the RV.
  • Attached equipment — awnings, satellite gear, and other fixtures, depending on your policy.
  • Roadside and emergency — towing and help getting a large vehicle back on the road, when included.
Regularly misunderstood coverages
Collision vs. Comprehensive

Which physical-damage coverage does an RV need?

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on class/type of RV, seasonal or full-time use, and storage, towing, and attached equipment.

Common Questions