Updated April 1, 2026
Many families are hitting the road this summer in their recreational vehicles (RVs). It’s a great way to explore our beautiful country and stop by unique tourist attractions. Whether you’re cruising from town-to-town or searching for natural wonders, you need RV insurance to keep your adventures on the road covered.
What is RV Insurance?
RV insurance is similar to car insurance – after all, it is a vehicle too! But RVs come with unique risks and require a specialized policy to address them. One key difference is how liability works when your RV is parked. Unlike a car, an RV often becomes a temporary living space at campgrounds or parks. This introduces risks similar to a home, which is where vacation liability coverage comes into play.
Some other differences include:
- Size – a larger vehicle is more costly to replace and complex to operate
- Usage – is it a permanent or temporary residence
- Storage – where is it kept when not in use
- Personal Property – what is the value of personal belongings travelling with you
What Does Standard RV Insurance Include?
Most RV insurance policies include the following:
Liability Insurance
If you cause an accident, liability insurance covers the cost of repaying the damage you have caused to the other party. This includes medical bills, property damage, and legal expenses if sued. It’s important to note that liability insurance does not cover any damage to you or your vehicle.
Collision Insurance
Collision insurance covers you and your property if an accident occurs – regardless of who is at fault. So, if you are in an accident with another vehicle, or hit a stationary object like a fence, collision insurance covers the cost. Keep in mind, you will have to pay your deductible before insurance steps in to cover the cost.
Comprehensive Insurance
Comprehensive insurance takes your policy to the next level of protection. It covers situations you cannot control such as damage caused by storms, theft, and fire. When you think about RVs, they are often out during summer storms, and they are stored for long periods of time when not in use. Comprehensive coverage definitely makes sense for RV owners because of these scenarios. Once again, you’ll pay your deductible before insurance kicks in to cover the rest of the cost.
What Doesn’t RV Insurance Cover?
Now that we’ve discussed what standard RV insurance normally includes, it’s time to think about what isn’t included such as:
Damage Caused by Wear and Tear
An RV spends a lot of time on the road. It’s exposed to the elements and wear from travel and use. RV owners are responsible for maintaining and repairing their RVs if damage occurs due to wear and tear.
Example Wear and Tear Scenario:
Your RV roof has a leak that needs to be patched. The water leak not only caused some water damage, but allowed mold to grow in your RV while it was sitting unused. You would be responsible for the cost of repairs and mold remediation.
Mechanical Issues
Your policy won’t cover mechanical issues with your RV unless they were caused by an accident. Issues with your RV’s engine and other auto repairs are the owner’s responsibility. Scheduling your RV for regular oil changes and tune-ups like you would any other vehicle will reduce the need for mechanical repairs.
Additionally, repairs to other mechanical items, like your HVAC and appliances in the RV, are not covered in your policy.
Personal Property
None of the personal property you travel with is covered by your RV insurance policy. Damage caused to property, whether due to an accident, the weather, or crime is not covered.
Commercial Use
If you are using your RV as a business, you need to sign up for a commercial policy. A whole new set of rules applies when you allow others to rent or use your vehicle. Like any other business, you should explore additional options to your policy designed to protect you and your assets.
Additional RV Insurance Coverage
We’ve covered some of the things that are or aren’t included in your RV insurance policy. Now let’s discuss some common options RV owners tack on to their existing policy. You can include additional coverage in your RV insurance policy, and may need to in some situations. Examples include:
Full-time RV Insurance
Do you live in your RV full-time? If so, you may need a slightly different policy that provides more liability coverage and coverage for your personal property. Make sure your coverage acts like homeowners coverage would to ensure you are getting the most from your policy.
Vacation Liability
Most RV owners use their vehicle as a temporary home while traveling. Vacation liability covers you when your RV is parked and set up at a campsite or other location.
For example, if a guest is injured around your RV or you accidentally cause damage to another camper’s property, this coverage can help pay for medical expenses, legal fees, or repairs.
It’s important to understand that vacation liability works similarly to homeowners insurance, but only while your RV is being used as a living space, not while driving. It’s also important to note that vacation liability is not always included in a standard policy. In many cases, it must be added separately, so it’s worth reviewing your coverage to avoid gaps.
Personal Effects Coverage
Think about all of the personal property you travel with in your RV. Now imagine the items getting damaged or stolen. You should definitely consider this type of coverage because those items add up quickly! Think electronics, jewelry, kitchen equipment, clothes, and more.
Rodent & Pest Damage Coverage
RVs are often stored for long periods, which can make them vulnerable to rodent or pest damage. Chewed wiring and insulation can lead to costly repairs. In some cases, this type of damage may be covered under comprehensive insurance if it happens suddenly. However, long-term damage or infestations are often not covered, especially if they are considered preventable.
Some policies offer optional add-ons specifically for pest damage, which can provide more reliable protection depending on your situation.
Roadside Assistance
Many insurers have the option to include roadside assistance with your policy. It makes perfect sense to invest in this addon when you are traveling all those miles in your RV. Who wants to be stuck in the middle of nowhere with a breakdown and no easy way out? Take the stress out of your travel with a dedicated roadside assistance program.
RV Insurance in Ohio with Ianniello Agency
Ready to hit the road with coverage you can count on? At Ianniello Agency, we are here to help you create a tailored RV insurance policy that fits your needs. Find out more about our RV insurance offerings in Ohio today. You can also request a quote, or contact us to start the process.
