Recreational Vehicle (RV) Insurance

RV insurance is protection for vehicles like: 

• Golf carts 
• All-terrain vehicles (like four wheelers) 
• Dirt bikes 
• Snowmobiles 
• Motor homes  
• Permanently mounted truck campers 
• Travel trailers 
• Camping trailers  
• Truck campers 

While this is not an all-inclusive list, it gives you an idea of what type of vehicles are considered “recreational.” 

Protection for your RV can fall under your home or auto insurance, based on the type of vehicle you own and how you use it. 

Generally, if the vehicle isn’t used on public roads, coverage may apply from your home insurance. Vehicles used on public roads can be covered on your auto or home policy.

Your cost will vary, based on whether you choose to insure your RV on your auto or home policy. Visit our car and home insurance basics pages to see what factors may affect your cost.  

Your local rep can help you decide which option makes the most sense for you. 

To qualify for coverage under your home policy, your RV can’t be licensed for use on public roads. Examples inlcude four wheelers and snowmobiles.

Coverage information

Your home policy provides coverage for qualifying recreational vehicles up to $500. If you have vehicles worth more, you can choose to increase your coverage amounts. Specific coverages will be included in your policy for damage to your vehicle from things like collision, theft and fire.

Your home insurance deductible (the portion you’re responsible for) will apply to any covered physical damage loss, like damage from a storm or fire.

Liability and medical

Liability coverage is included if the vehicle is used at your home and may be purchased to extend to other locations.

It also helps protect you if someone is injured as a result of the operation of your recreational vehicle, you damage someone’s property while operating your vehicle, or you’re sued for those injuries or damages and have legal defense costs.

Medical payments coverage provides for others’ medical costs if they’re injured on your RV where your home is insured.

Your liability and medical limits will be the same limits you choose for your home insurance.

Your RV may be eligible for auto insurance coverage. If your RV qualifies for auto insurance coverage, you choose to add what you want.  

Examples of vehicles that may qualify include motor homes and permanently mounted truck campers, snowmobiles, golf carts, all-terrain vehicles, travel trailers, camping trailers and truck campers. 

Coverage information 

If you insure your RV on your auto policy, it works like your car insurance. You’ll choose specific deductibles for the different types of protection, like collision and comprehensive, along with liability, medical, and uninsured or underinsured motorist coverage. 

Physical damage 

Physical Damage protects against damage to your RV if you have a covered loss. It has two parts, and you choose a deductible for each coverage.  

• Collision - Coverage for damage to your vehicle in situations like hitting a car or getting into a single vehicle accident.
• Deductible choices: $50¹, $100, $250, $500, $1,000 
• Comprehensive - Coverage for your vehicle from claims like theft, vandalism, hail, and falling objects (like a tree). 
• Deductible choices: $50¹, $100, $250, $500, $1,000 

Uninsured Motorists Property Damage 

This coverage pays the amount you’re legally entitled to recover for damages to your vehicle in a covered accident caused by someone who doesn't have insurance or by a hit-and-run motor vehicle. In some states, identification of the hit-and-run driver is required. Coverage, deductible and availability varies by state. 

Liability and medical 

Liability insurance can protect you if you cause an accident and are responsible for injuries to others or damage to property. Medical costs and lawsuits can be expensive, so it’s important to carry coverage limits that are right for you. Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out. 

Liability coverage is divided into two parts: 

• Bodily injury coverage protects you for the cost of injuries you may cause to someone else, up to the coverage limits you choose. 
• Property damage coverage protects you for the cost of damage you may cause to the property of others, up to the coverage limit you choose. 

Umbrella insurance can be purchased to give you extra coverage up to $1 million or more if you'd like liability insurance above what your auto policy provides. 

Medical payments coverage provides protection for you and your passenger(s) if you're in a covered accident causing injuries, regardless of fault. It pays medical bills you or your passengers have within two years² of a covered accident. 

Personal Injury Protection² provides coverage for certain expenses related to injuries from an accident such as lost wages and childcare expenses. 

Uninsured and Underinsured Motorist Protection 

This coverage gives you protection for injuries you may experience if an uninsured or underinsured driver runs into your RV. 

Uninsured Motorists pays if you or someone on your RV is injured or killed in a covered auto accident caused by another driver who doesn’t have insurance. This coverage is for injuries, not damage to your vehicle. 

Underinsured Motorists pays if you or someone on your RV is injured or killed in a covered auto accident caused by another driver who doesn’t have enough insurance to pay for the damages for those injuries. 

To start or check the status of a claim you can:  

• Log in to your online account 
• Use our mobile app 
• Call 866-COUNTRY (866-268-6879)

Learn more about auto insurance claims.