If you plan on taking a road trip during the summer months, you have probably considered buying or renting an RV. For people who don’t know, RV stands for recreational vehicle. If you go that route, there are certain steps that you need to take before you hop into the RV and drive. One of these steps is getting insurance for your recreational vehicle.

What is RV insurance?

RV insurance is insurance protection for a recreational vehicle or RV. A few different types of coverage are available, including property damage and bodily injury liability coverage, personal property coverage, comprehensive and collision coverage, and uninsured or underinsured motorist coverage.

Who needs RV insurance?

You should probably get RV insurance if you have an RV or plan to own or rent one soon. Most states in the United States require drivers to have a minimum amount of liability coverage. How much you need to reach the minimum amount depends on the state you are in.

On top of the required liability insurance, Texas also requires uninsured or underinsured motorist coverage.

Even if insurance weren’t required, it would still be a good idea to have RV insurance. If an accident happens and you don’t have insurance, you could be responsible for thousands of dollars worth of damage with no way to pay it all off.

Here’s how this would work. Let’s say you caused an accident in your RV. The other driver would file a liability claim on your insurance policy. Your insurance would pay for the damage and injuries to the other party. If you don’t have enough insurance coverage to cover it, the other party could sue for the damage and medical costs.