May 20, 2021 7:06 PM EST

10 Reasons To Get A Recreational Vehicle Insurance

Ownership of a recreational vehicle opens the door to a world of adventures and rewards, but it must be done responsibly. All-terrain vehicles, antique cars, boats, motorhomes, snowmobiles, travel trailers, and almost any vehicle that is primarily used for fun are examples of recreational vehicles.

10 Reasons To Get A Recreational Vehicle Insurance

As we get closer to summer, many people will be travelling in their RVs. Not to mention, summer isn't the time to neglect your and the vehicle’s safety.

The coverage requirements for your recreational vehicle may differ depending on how you use it, whether you drive it yourself or get it towed, and many more factors. 

No matter what type of RV you have, it is always smart to have recreational vehicle insurance. Check out this page for more details on car and RV insurance.

Here are 10 reasons why you need to get RV Insurance if you don't already have one:

1.    Your Recreational Vehicle is Expensive

Damages sustained to an RV either on the road or during outdoor activities such as fishing and camping trips can be costly to fix. Water damage, impact damage from falling trees, and other hazards that regular car drivers are unlikely to encounter may cost a lot. 

Unfortunately, conventional insurance does not protect them as well. With this in mind, it's important to secure the right recreational vehicle insurance package for both your emotional and financial well-being.

2.             Travelling Long Distances

Recreational vehicles are best used for leisure and related activities – as the name implies. RVers and bikers alike are eager to take advantage of the opportunities, which means a lot of highway travel for vacations, camping trips, and other adventures. 

This can place a lot of strain on the vehicle, which can lead to performance issues. This isn't a big problem if you have a policy that provides roadside assistance. The vehicle may be towed to a local specialist or recovery center if the worst happens. This has the potential to make a huge difference.

3.             Protection against Non-collision Damage

Accidents aren't the only cause of harm to your recreational vehicle. Your vehicle can sustain a variety of different types of damage. Theft, fire, and other similar events may cause these damages. 

Since recreational vehicles aren't the cheapest, it's crucial to have insurance. If you have Recreational Vehicle Insurance, you will be protected from financial hardship in the event of an accident.

4.             Protects in case of rare use

If you don't drive your recreational vehicle often, you might be more likely to be involved in an accident given your lack of practice. It can take some time to get used to driving one of these RVs safely and comfortably, putting you in a potentially dangerous situation. 

You're taking a chance if it's your first time travelling in your RV or if you encounter situations you've never seen before. An accident without adequate coverage would be troublesome.

5.             Protection for Valuable Items

Many, if not all of the valuable personal belongings of those who travel in their motorhome often or live in an RV full-time, are likely to travel with them. Your electronics, furniture, and other valuables can be stored in your RV. Does this describe you? 

6.             Provides Coverage for Customized Parts

For RVs with custom components, custom equipment coverage is important. If you've updated the interior or the exterior of your RV, you'll want to make sure you're protected. 

These sections are normally expensive and difficult to come by. Keep track of how much you spend on custom equipment and insure your RV accordingly if you are customizing it.

7.             Coverage for Liability

Some types of RV insurance also cover bodily injury caused by you in an accident. If you get into an accident and the other party is injured, there is a good chance that you will have to pay for it. 

In such cases, having RV Insurance in place is beneficial. Liability insurance is typically only required for motorized RVs, not for those that are towed.

8.             Pays for your medical expenses

If you have Recreational Vehicle insurance and you get into an accident, whether it’s your fault or not, medical treatment for you and all travellers involved in an accident will be provided. 

Health payments, including liability compensation, usually do not extend to towed RVs. This type of coverage is only available if you drive your recreational vehicle. 

9.             Assistance from afar

Many people use their RVs to travel to far-flung locations, continents, and landscapes. One of the best aspects of owning a motorhome is being able to do just that. When you're far from home, however, an RV can break down. 

Traditional roadside assistance may not be able to reach you if this happens. If this is the case, you can purchase updated emergency assistance when purchasing RV insurance. Then you won't have to worry about being stranded in such cases. 

10.         Seasonal Insurance Only

RV insurance is seasonal, meaning you won't have to pay a premium for the whole year. This is because RVs are only used for a few months out of the year. A typical RV insurance policy, for example, pays for 150 days of travel and living each year. 

This means you just have to pay for coverage while you're driving. You won't have to pay for it if you store the RV during the off-season.


We know that you will always be cautious while driving your recreational vehicle, but life is uncertain and you never know when you might get into an accident. Or your RV might break down in the middle of nowhere. 

To protect yourself from such and many more hazards, you need to have recreational vehicle insurance. After all, it is not just a vehicle, it is a potential home on wheels; it is the place you spend your vacations in!