Question 1

Does an RV policy include coverage for my personal property just like a homeowner’s or renters’ policy?

Accepted Answer

An RV insurance policy usually covers the vehicle itself and its equipment; however, coverage for personal belongings inside the RV may be limited. If you want protection for your personal property, consider adding a personal effects endorsement to the policy. Your homeowners’ or renters’ insurance may also cover items temporarily stored in the RV.

Question 2

What types of RVs does AAA insure?

Accepted Answer

AAA insures the following types of motor homes and travel trailers: Motor Homes Conventional motor homes Professional and nonprofessional bus conversions Camper vans Mini-motor homes Toter homes Travel Trailers Conventional trailers Destination trailers Toy haulers Fifth-wheel trailers Mounted truck campers Pop-up tent trailers Horse, cargo and utility trailers with no living quarters

Question 3

What is usually covered on a standard motor home policy?

Accepted Answer

A standard motorhome policy typically covers liability for injuries or property damage you cause, collision damage to your RV, and comprehensive events like theft, fire, or natural disasters. Many policies also include medical payments and insured/uninsured motorist protection, and some may cover personal belongings inside the RV.

Question 4

I'm an RV full-timer and no longer have a permanent residence. What coverage should I have?

Accepted Answer

You need a full-timer RV insurance policy, which is designed for people who use their RV as a primary home. A full-timer policy protects your RV and belongings, covers liability for injuries or property damage, and includes medical payments for you and other passengers. Optional coverage can also protect you while traveling.

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Commonly asked questions

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Commonly asked questions