Standard RV coverages
Comprehensive and collision
Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision cover will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.
Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive coverage pays for the repairs minus your deductible.
Pays for damages and injuries you cause. For example, liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won't have the option to select liability coverage because your trailer is pulled by a motor vehicle. So just ensure you have liability coverage on the vehicle that tows your travel trailer.
Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver's medical bills and vehicle repairs up to your policy's limits.
Uninsured/underinsured motorist (UM/UIM)
If a motorist hits you with no insurance or insufficient insurance, UM/UIM can pay for your injuries, RV damage, and lost wages if you can't work.
Example: You're rear-ended by a driver with no insurance. Your motorhome is damaged, and one of your passengers is injured. UM/UIM covers the repairs to your RV and your passenger's medical bills up to your policy's limits.
It covers medical bills for you and your passengers if you're in an accident with your motorhome, regardless of fault. Note that medical payments don't apply to travel trailer policies.
Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay your spouse's hospital bills, even if the accident was your fault.
Additional Coverages include roadside assistance, total loss replacement, vacation liability, full-timers liability & many more.