Standard auto insurance is not enough to protect a recreational vehicle. RV insurance is a specialized policy designed for the unique risks of the motorhome and camper lifestyle — covering your vehicle, your belongings, and your liability wherever the road takes you.

Coverage varies based on your RV type, travel destinations, and driving history. A comprehensive RV policy can include:

• Collision and comprehensive — damage from accidents, fire, theft, and weather
  
• Windshield coverage — especially important given the size and replacement cost of RV glass
  
• Personal belongings — electronics, gear, and creature comforts you bring on the road
  
• Attached accessories — awnings, gas bottles, and exterior add-ons
  
• Towing and roadside assistance — emergency help when you need it most
  
• Vacation liability — protection when your RV is parked and used as a temporary residence
  
• Uninsured/underinsured motorist — coverage if you are hit by a driver without adequate insurance
  
• Replacement cost coverage — full replacement value rather than depreciated cash value
  
• Rental and accommodation reimbursement — lodging or a rental if your RV is out of commission during a trip

Auto insurance does not account for the ways an RV is used — as both a vehicle and a living space. Key differences include:

• RVs carry personal belongings, appliances, and valuables that auto policies do not cover
  
• Vacation liability covers you when parked at a campsite, which auto insurance does not
  
• Specialized components like large windshields and awnings require coverage specific to RVs
  

Updated June 2026 by Christy Hogan