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Recreational Vehicle Insurance


Good recreational vehicle insurance provides protection for those who own and operate a motor home. It helps the insured with accidents or other various covered events that can result in partial or complete destruction of an RV and the possessions within. Both natural events and human actions can activate this coverage. As a result of proper coverage, your RV can be repaired or replaced, thus getting you back on the road and vacationing again in little time.

Coverage can also be purchased for all-terrain vehicles (ATVs) or other recreational modes of travel. To legally operate such vehicles one must purchase this kind of insurance coverage. Towable RVs are also covered, such as trailer campers, pop-up tent trailers and so forth.

Types of Coverage

A total loss replacement policy provides compensation to fully replace a damaged recreational vehicle with a vehicle that is brand-new. While replacement cost personal effects coverage is similar, it is intended for the replacement of any personal items that may have been stolen, lost or damaged. This subset would generally include jewelry, electronic devices, appliances and furniture. It is important that the policyholder keep a detailed inventory of all valuable belongings inside the RV. There is also insurance coverage that includes mechanical repairs and roadside assistance should the RV break down.


RV insurance can provide policyholders great relief from what otherwise might be enormous out-of-pocket costs on repairs resulting from accidents, as well as those that result from a myriad of other events. RV owners can enjoy the benefits of having the peace of mind of knowing that they are protected while vacationing in their home-away-from-home. An RV owner can also be protected from vandalism that may happen at campgrounds and elsewhere.