Standard RV insurance policies typically include liability coverage, which pays for damages or injuries the policyholder may cause to others in an accident. Collision coverage covers repair or replacement costs if the RV is damaged in a collision, while comprehensive coverage protects against non-collision incidents such as theft, fire, or natural disasters.

Additional coverages often available include personal effects coverage, which insures belongings inside the RV, and vacation liability, which covers incidents occurring while the RV is parked at a campsite. Full-timer coverage, akin to homeowners insurance, is available for those who live in their RV full-time.

Recreational vehicle insurance ensures that RV enthusiasts can enjoy their adventures with peace of mind, knowing they are protected against a wide range of potential risks.