Does auto insurance cover your recreational vehicle?

Have you thought about getting an RV and crisscrossing the States? We’re all pretty familiar with Airstreams and Winnebagos, but there are dozens of recreational vehicle manufacturers to choose from. And a lot of RV owners too!

In fact, RVing has become increasingly popular among people of all age groups, including millennials and retirees. And that popularity only increased during the pandemic when people embraced remote working and decided to — temporarily or permanently — give up their homes to hit the road but still have all the modern conveniences they’re used to.

How popular are RVs? Let’s look at the numbers!

  • According to the Recreational Vehicle Industry Association (RVIA), 11.2 million households in the USA currently own RVs 
  • An additional 9.6 million households intend to purchase an RV in the next five years
  • Out of all recorded RV owners in the country, 1.5% live in RVs full-time

Hey RVers, don’t forget about insurance!

While you’re dreaming of traversing the open roads and creating memories that last a lifetime, remember that when it comes to protecting your RV — and the things you have in it, it’s important to find out if your auto insurance policy has you covered or if you need to consider a specialized RV insurance plan.

Will auto insurance cover your RV? 

While your auto insurance policy may provide some limited coverage for your RV, it typically falls short of adequately protecting your home-on-wheels investment. 

Auto insurance policies are primarily designed for everyday personal vehicles, like cars and trucks, and may not extend the same level of coverage to recreational vehicles. To ensure comprehensive protection for your RV, it’s advisable to consider dedicated RV insurance coverage — and we can help!

Let’s look at the benefits of recreational vehicle insurance

Liability Coverage: 

  • RV insurance offers liability coverage, which protects you in case you cause property damage or bodily injury to others while operating your RV. 
  • This coverage is essential, as accidents can happen even to the most cautious of drivers. Liability coverage safeguards your financial well-being and provides you with peace of mind while using your RV.

Physical Damage Coverage: 

  • RVs are a substantial investment – according to, new, motorized RVs cost from $80,000 to $750,000 or more. Any damage to them can be costly to repair — and require specialized service bays. 
  • With RV insurance, you can obtain comprehensive and collision coverage, protecting your vehicle against damage caused by accidents, theft, vandalism, or natural disasters. This coverage ensures you can get back on the road as quickly as possible without bearing the burden of hefty repair costs.

Personal Belongings Coverage: 

  • An RV is more than just a means of transportation; it’s a home on wheels. RV insurance generally includes coverage for personal belongings inside the vehicle, like electronics, furniture, clothing, and other valuables. 
  • This protection ensures that the stuff you take on the road with you is covered in case of theft, loss, or damage while you’re traveling.

Why RV insurance is a smart idea

Imagine you and your family are on an unforgettable cross-country road trip in your RV. Mom and Dad can work remotely, so they’ve equipped the RV with laptops, and the kids have a Playstation to keep themselves occupied. 

Then, as you explore scenic landscapes, visit national parks, and camp in picturesque locations, disaster strikes. While navigating a tight mountain road, you accidentally scrape the side of your RV against a protruding rock, causing enough damage to ruin your vacation. 

Without RV insurance, you’d face a massive repair bill that could completely wreck your travel budget and force you to cut your journey short. It’s a nightmare scenario nobody wants to deal with. 

But here’s the good news: if you had the foresight to invest in RV insurance beforehand, you could breathe a massive sigh of relief. With comprehensive and collision coverage, your insurance would step in and handle those pesky repair costs, so you can keep on adventuring without all the stress and financial strain. 

RV insurance is like having a safety net that protects you from unexpected mishaps like accidents, theft, or natural disasters. It’s your ticket to worry-free travel — or off-the-grid living — and ensures that nothing (within reason) will derail your plans.

Insure yourself 

Before you hit the road on your next RV adventure, take the time to explore your insurance options. Remember, RV insurance is not just an added expense; it’s an investment in your peace of mind and the protection of your (pretty expensive) vehicle. 

Guided Solutions can help you by researching reputable insurance providers that offer specialized RV insurance plans tailored to your needs. We’ll compare coverage options, deductibles and premiums to help you find the policy that suits you best.

So, let’s get started.


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