What RV Insurance Coverage Do You Need?

Whether you’re exploring Mississippi’s scenic routes or taking your RV on a cross-country adventure, making sure your coverage fits your lifestyle is key. RV insurance isn’t just a copy of auto insurance—it’s a category of its own, built to address the unique risks of traveling and living on the road.

Basic Coverage to Consider

At a minimum, RV insurance should include liability coverage to meet Mississippi’s legal requirements. RV owners typically purchase collision and comprehensive coverage to address damages from accidents, weather events, theft or wildlife encounters.

Coverage for What You Carry

RVs often carry valuable belongings such as laptops, cooking gear, recreational equipment and personal items. Depending on your policy, personal effects coverage may help cover these in case of theft or a covered loss. Some policies also provide coverage for items attached to the RV, like awnings or solar panels.

Living Space Coverage

If your RV doubles as a residence, additional coverage may be worth adding. Vacation liability coverage may apply if someone is injured at your campsite, while those who live in their RV full time might explore coverages similar to homeowners insurance, such as emergency expense coverage or higher limits for personal property.

Extra Coverage

Breakdowns far from home can quickly turn into stressful situations. That’s where towing and roadside assistance coverage come in. Some insurers also offer coverage for trip interruption, helping with hotel stays and meals if your RV becomes temporarily unusable during a trip.

Learn More

FLM Insurance LLC in Jackson, Mississippi, can help walk you through the different types of RV coverage and identify what suits your vehicle, travel habits and storage plans. Whether your RV is parked for the season or out on the highway, it’s crucial to have appropriate coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.