RV & Camper Insurance – Frequently Asked Questions

1. What’s the difference between an RV, camper, and travel trailer?
“RV” (recreational vehicle) is a broad term that includes both drivable vehicles (like Class A, B, or C motorhomes) and towable units (like travel trailers, pop-ups, and 5th wheels). A “camper” is typically a general term for any RV used for recreation, while a “travel trailer” is a specific type of RV you tow behind a vehicle.

2. How is insurance different for drivable vs. towable RVs?

• Drivable RVs (like Class A/B/C motorhomes) require a separate auto-style insurance policy because they operate like a vehicle.

• Towable RVs (like travel trailers or 5th wheels) are covered differently. Liability coverage comes from the tow vehicle, but you’ll still need a separate policy for physical damage (comprehensive and collision) to cover the trailer or camper itself.

3. What is a 5th wheel, and how is it insured?
A 5th wheel is a large towable camper that connects to a special hitch in the bed of a pickup truck. Like other towables, liability is generally covered by the towing vehicle, but a separate RV insurance policy is recommended for protecting the 5th wheel itself from physical damage, theft, or weather-related losses.

4. Does my auto insurance cover my camper or travel trailer?
Your auto policy will usually extend liability coverage only to towable campers while they’re being towed. It does not cover damage to the trailer itself—that requires a separate insurance policy.

5. What does RV or camper insurance typically cover?
Coverage may include:

• Liability (for drivable RVs or attached towables)

• Comprehensive (theft, fire, storm damage)

• Collision (accidents or overturning)

• Vacation liability (for when you’re parked and using the RV as a residence)

• Personal belongings and equipment

• Emergency roadside assistance

• Full-timer’s coverage (if the RV is your permanent residence)

6. Do I need insurance for a camper I only use seasonally?
Yes. Even if your RV or trailer is stored for part of the year, risks like theft, fire, weather, or vandalism still exist. In some cases, you may be able to adjust your coverage in the off-season to reduce costs while still maintaining essential protection. Like motorcycle policies, carriers are becoming less willing to do so for a variety of reasons.

7. What’s the difference between full-timer’s and part-timer’s insurance?
If your RV is your primary residence, you may need full-timer’s insurance, which adds features like increased liability and medical payments similar to homeowners insurance. Part-time RV users (weekends or vacations) generally need standard RV coverage.

8. Does insurance cover my belongings inside the camper or RV?
Many RV policies offer optional personal effects coverage to protect belongings like electronics, clothing, cookware, and camping gear. Be sure to ask about coverage limits and whether high-value items need to be listed separately.

9. What if I rent out my RV or camper to others?
Most personal RV insurance policies do not cover rental or business use. If you plan to rent your RV, you’ll need special commercial or rental coverage through a separate policy or platform that provides it.

10. Can I bundle my RV or camper insurance with my home and auto?
Yes! Many insurance carriers offer multi-policy discounts when you bundle your RV or trailer policy with other products like homeowners, renters, or auto insurance—saving you money and simplifying your coverage.