Describe the RV, how you use it, where you keep it, and whether you live in it or rent it out. Ask a licensed insurance professional to explain covered uses, exclusions, deductibles, settlement terms, and assistance. This guide is educational and does not recommend a policy.
Describe how the RV will really be used
Weekend travel, extended trips, full-time living, and renting the rig to others can raise different coverage questions. Provide accurate details about the vehicle and use, and ask the agent to document what the proposed policy covers.
Bring a consistent question list
- Which uses and drivers are covered or excluded?
- How are the RV and personal belongings valued after a covered loss?
- What deductibles, limits, and special conditions apply?
- What does roadside assistance cover for this size of rig?
- What changes if it is stored, lived in, or rented to someone else?
Use your state insurance department as a resource
Verify agent and company licensing with your state insurance department and review the actual policy documents. The NAIC consumer resource center can help you find consumer information and state contacts. RV Junkie does not collect insurance applications or provide quotes.