Recreational Vehicle (RV) insurance is a specialized type of insurance that provides coverage for RVs, including motorhomes, travel trailers, fifth-wheel trailers, campers, ATV, motorcycle, and boats. It offers financial protection for both the vehicle and its occupants, similar to how auto insurance works for cars. RV insurance typically includes:

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1. Liability Coverage: Protects against bodily injury and property damage caused by the RV to others in an accident where the policyholder is at fault.

2. Collision Coverage: Pays for damage to the RV caused by a collision, regardless of who is at fault, including damages resulting from accidents with other vehicles or objects.

3. Comprehensive Coverage: Covers damage to the RV from non-collision incidents, such as theft, vandalism, fire, natural disasters, or falling objects.

4. Personal Injury Protection (PIP): Covers medical expenses for the policyholder and passengers if injured in an accident, regardless of who caused the incident.

5. Uninsured/Underinsured Motorist Coverage: Provides protection if the RV is involved in an accident with a driver who does not have enough insurance or no insurance at all.

6. Contents Coverage: Protects the personal belongings inside the RV, such as clothing, electronics, and furniture, from loss or damage.

7. Roadside Assistance: Provides help if the RV breaks down or encounters other mechanical issues, including towing, tire changes, and battery jump-starts.

8. Full-Timer Coverage: For RV owners who live in their RV full-time, this coverage is similar to homeowners insurance and protects the vehicle and personal property as a primary residence.

RV insurance policies can vary in coverage depending on the type of RV and how it’s used. It's essential for RV owners to have proper insurance to protect their investment, their passengers, and others on the road.