4 Things to Consider About RV Insurance

More than 11 million U.S. households now own an RV¹ , and with that freedom of the open road comes a unique set of insurance needs. Whether you’re a weekend wanderer or a full-time nomad, having the right RV insurance ensures your adventure doesn’t turn into a financial detour.

1. Protect Your RV with Total Loss Replacement

Buying a new RV is a major expense—and like most vehicles, it depreciates as soon as it leaves the lot. As part of a comprehensive RV insurance plan, consider Total Loss Replacement coverage. protect your purchase, consider Total Loss Replacement coverage. If your newer-model RV is totaled, this coverage can provide a brand-new replacement instead of just the depreciated value. It’s a smart way to protect the full value of your investment in the early years of ownership.

2. Stay Covered with Roadside Assistance

Breakdowns don’t always happen near a service station. If your RV becomes stranded in a remote area, 24/7 Roadside Assistance can be your lifeline. Many policies offer services like:

• Towing to the nearest qualified facility
• Lockout protection
• Battery jump-starts
• Flat tire repair
• Fuel delivery
• Removal from mud, snow, or sand

This type of coverage brings peace of mind when you’re far from home or a repair shop.

3. Insure Your Upgrades with RV Accessory Coverage

RVers often upgrade their vehicles with accessories such as antennas, satellite dishes, awnings, and solar panels. These post-purchase additions can be expensive to replace if damaged or stolen. Accessory Coverage ensures your upgrades are protected. Depending on your needs, additional coverage can be tailored to specific items like retractable awnings or custom interiors.

4. Live Confidently with Full-Time RV Insurance

If your RV isn’t just a getaway but your full-time residence, your insurance needs expand. Accidents can happen around your mobile home just like they can in a traditional house. Full-Timer Coverage provides liability protection in case:

• Someone is injured while visiting your RV
• Your pet causes injury or property damage

In addition to liability protection, full-time RV insurance can also cover your personal belongings—clothing, electronics, appliances, and more—just like a homeowner’s policy.

Travel Smart—Get the Right Protection

RVing is more than a vacation—it’s a lifestyle. But whether you’re traveling for a few weekends a year or living on the road full time, having the right RV insurance matters.

Talk to your insurance professional to explore RV insurance coverage options tailored to your travel habits, your vehicle, and your lifestyle. The open road awaits—make sure you’re protected for every mile.

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