What does RV insurance cover?

RV insurance (also known as motorhome insurance) covers the cost of repairing or replacing your vehicle after an accident. Liability coverage is required in most states (including Georgia and South Carolina) and covers property damage, medical costs and legal fees if you cause an accident. Several states also require uninsured/underinsured motorists coverage. This coverage insures you in the event that you are hit by a driver who does not have insurance, or does not have enough to pay for your damages.

How do I know what policy is best for me?

Your motorhome insurance cost will depend on the type of coverage you buy and Florida requirements. There are other factors to consider as well, such as: 

  • Where you travel: A full-timer will need a more in-depth coverage plan than a recreational motorist. It also matters how far you travel and what regions you will be in. Areas with more risk will need additional protections.
  • The type of RV you own: The type of motorhome you are driving will make a difference for your coverage. A truck camper or travel trailer does not have many amenities and is usually cheaper to repair or replace after an accident than a higher value Class A motorhome.
  • Your driving record: Your history as a driver is important. It tells an insurance company whether you are a risk-taker or more cautious. Drivers with a history of traffic tickets and accidents are often considered higher-risk, and will therefore typically pay higher premiums.

To find out what RV insurance is best for your vehicle and your needs, talk to one of our agents who will compare motorhome insurance quotes and work with you to find the coverage that best meets your needs.