Like auto insurance, RV insurance covers personal liability, property, injury and other types of claims for and against you and your camper. Once you meet any requirements you have from your state, lender, neighborhood or other legal entity, how you build your policy is typically up to you.

Standard RV Coverage

Most, if not all, RV insurance companies offer the same standard types of insurance policies. These are nearly identical to what you’d find for auto insurance.They include:

• Bodily injury liability: Covers medical expenses, lost wages and more for other parties resulting from an accident for which you are found at fault.
• Property damage liability: Covers physical damage to vehicles and other property caused by an accident for which you are found at fault.
• Collision coverage: Covers physical damage to your camper resulting from a covered loss, no matter who caused the accident.
• Comprehensive coverage: Covers damages to your RV from non-accident sources such as extreme weather, fire and vandalism.
• Uninsured motorist/underinsured motorist: Covers your property damage and injury expenses in the event that an at-fault driver doesn’t have sufficient coverage.
• Personal injury protection (PIP): Covers medical expenses and lost wages for members of your party, regardless of who is found at fault for an accident.
• Medical payments (MedPay): Covers medical expenses but not lost wages for you and your party following an accident, no matter who is found…