What does it cover?

Recreational vehicle insurance is flexible. Most families use their RVs once or twice a year for activities like weekend camping trips. But some people travel several times per year, such as retirees who want to see the country. The minimum coverage that all RV owners will need is a limited liability policy. This is a legal requirement for all RVs that will be used on public roads. So if you can’t afford anything else, liability is your best option. As an RV owner, you need to work closely with your insurance agent to determine what type of coverage you need. It’s important also to focus on coverage for your possessions. Unlike automobiles that typically have a few possessions inside, an RV can have thousands of dollars worth of gear and equipment. This might include everything from generators and camping equipment to flat-screen TVs and clothing. This is why it’s important to get your belongings covered by insurance if possible. As stated earlier, liability is the least amount of coverage you can get. But it’s a good idea to expand coverage if possible. There are many types of mishaps that can occur while on the road. Speak with an agent to learn about all of the possibilities.