Recreational vehicles, also known as RVs, come in all shapes and sizes, from motorhomes and fifth wheels to pop-up campers and travel trailers. Depending on the type of RV you own, you may or may not require RV insurance.

The main difference in coverage requirements is simple. If you tow it, insurance is probably optional. If you can get it from point A to point B without the help of another vehicle, you will probably be required to purchase insurance coverage. Put another way, any vehicle you drive on the road—and that includes motorhomes—must be insured.

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How to Determine If You Need RV Insurance on a Camper

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Since most campers are towed behind a vehicle and not driven by themselves, RV insurance is optional according to most states’ laws. However, a lender can require full coverage to be carried in order to protect the asset. If you took out a loan to purchase your RV, you can bet that you’ll probably be required to have full coverage.

Even though coverage on trailers is, in many cases, optional without a loan, that doesn't mean it's not a good idea. With a newer camper, it is recommended to carry full coverage so you do not lose your investment. And remember, if you can drive it, then you're legally required to insure it just like any other vehicle.

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What Does RV insurance Cover?

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Here are the different types of coverage for RVs and campers:

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RVs

• Bodily Injury and Property Damage Liability

• Uninsured Motorist

• Personal Injury Protection (PIP)

• Limited Property Damage

• Property Protection

• Comprehensive

• Collision1

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Camper trailers

• Comprehensive

• Collision

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Liability insurance on the vehicle you use to tow the trailer will usually extend to the trailer, but you probably need to purchase comprehensive and collision separately.