What is RV comprehensive and collision coverage?

What does comprehensive insurance cover on an RV?

Comprehensive coverage can safeguard your motorhome or trailer from events beyond your control such as:

• Hail
• High winds
• Lightning
• Fire
• Vandalism
• Hitting an animal
• Broken glass that isn't the result of a collision
• RV theft

What does collision insurance cover on an RV?

Collision coverage can pay for damage to your motorhome or trailer from collisions with vehicles or objects, such as a:

• Fence
• Tree
• Guardrail
• Hit and run
• One vehicle accident

If your RV is damaged, your policy's comprehensive or collision coverage may pay to repair or replace your RV, less the amount of your deductible. Choosing a higher comprehensive and collision deductible can lower the cost of your RV policy. Learn more about RV insurance coverages and how RV insurance works.

Is RV comprehensive and collision coverage required?

Comprehensive and collision coverages aren't required by state law for motorhomes or travel trailers. However, if you finance or lease your motorhome or travel trailer, most lenders require comprehensive and collision coverage. If you hold the title or your RV is paid off, it's up to you if you want to carry either coverage.

Is RV comprehensive and collision coverage worth it?

If a lender doesn't require you to carry comprehensive and collision, the decision to carry RV comprehensive or collision coverages comes down to your finances, risk tolerance, and the value of your RV. Comprehensive and collision coverage for your motorhome will raise your policy's rate, so ask yourself whether it's more important to pay less for RV insurance or to have coverage down the road if your RV is damaged, stolen, or totaled.

If your RV is worth less than a few thousand dollars, it may not be worth carrying physical damage coverages—especially if your comprehensive or collision deductible is $1,000 or more. If your travel trailer or motorhome is one of your most valuable assets, or even your primary residence, protecting your investment against damage and loss can be crucial.

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