The main coverage included in recreational vehicle insurance are comprehensive and collision, liability, and under/uninsured insurance.
Comprehensive and collision insurance
Comprehensive insurance covers perils like fire, theft, vandalism, transportation, and other physical damages that are not collisions.
Collision insurance covers the physical damage caused by hitting a fixed object, a vehicle, or wild life. It also covers for if something falls on to the recreation vehicle. It is also important to note that it can cover for issues related to trying to load the unit on to a trailer.
Liability will pay the sums that you become legally obligated to pay as “compensatory damages” because of “bodily injury” or “property damage” to which the insurance applies.
Liability insurance is intended to cover damages that the recreational vehicle caused to someone or somebody’s property. The property insured ranges from the vehicle to anything else that your recreational vehicle may have ruined.
Underinsured and uninsured motorist coverage
This is insurance for if another party involved in the accident is at fault and uninsured or does not have enough money to cover the cost to repair your damaged vehicle, or pay medical benefits owing to you.
Total loss replacement
If the recreational vehicle is involved in an accident and damaged beyond repair, insurance covers you for a new recreational vehicle. If the recreational vehicle was more than five years old, you receive the amount the vehicle was declared for on your policy minus the deductibles.
You can also opt not to replace the vehicle but instead get reimbursed for the original cost of the vehicle.