What Insurance Do I Need for My RV?

Picture this: you’re cruising down the open road, wind in your hair, adventure around every bend, and your home on wheels trailing behind you. But wait, what happens if the unexpected occurs? Is your RV truly protected? Today, we’re diving deep into the world of RV insurance to ensure your home away from home stays safe and secure, no matter where the journey takes you.

Understanding the Unique Needs of RV Insurance

Owning an RV is more than just having a vehicle; it’s a lifestyle. And with that lifestyle comes unique insurance needs. Unlike standard auto insurance, RV insurance takes into account the fact that your RV is not just a mode of transportation but also a living space. Let’s break down some key components of RV insurance:

Liability Coverage: Just like with your car insurance, liability coverage protects you if you’re at fault in an accident that causes injury or property damage. However, with an RV, the potential for damage can be much greater. This is due to its size and the fact that it’s often used for recreational purposes. For example, if you accidentally clip a tree while maneuvering your RV into a campsite, liability coverage can help cover the cost of repairs.

Comprehensive and Collision Coverage: This coverage protects your RV against damage from accidents, theft, vandalism, and natural disasters. Imagine you’re on a cross-country trip and a sudden hailstorm damages the exterior of your RV. Comprehensive coverage would kick in to cover the repairs.

Personal Belongings Coverage: Your RV isn’t just a vehicle; it’s also your home on wheels. Personal belongings coverage ensures that your valuables, such as electronics, clothing, and camping gear, are protected in the event of theft or damage. Example – if your RV is broken into, and your laptop and camera are stolen. This coverage can help reimburse you for the loss.

Tailoring Your Policy to Your Unique Needs

Just as no two RVs are exactly alike, no two insurance policies should be identical either. It’s essential to work with an insurance provider who understands the intricacies of RV ownership. Here are a few factors to consider when customizing your RV insurance policy.

Full-Time RVing: Are you a full-time RVer or just an occasional road-tripper? Your insurance needs will vary depending on how often you use your RV. Also, whether it serves as your primary residence. Full-time RVers may need additional coverage for liabilities and personal belongings since they’re constantly on the move.

Specialized Equipment: Many RV owners outfit their rigs with specialized equipment such as solar panels, satellite dishes, or custom interiors. Make sure your insurance policy takes into account the value of these add-ons. This ensures they’re adequately covered in the event of damage or theft.

Towing and Roadside Assistance: Breakdowns and mechanical issues are par for the course when it comes to RV travel. Look for an insurance policy that offers comprehensive towing and roadside assistance coverage so you aren’t left stranded on the side of the road.


Your RV is more than just a vehicle; it’s a gateway to adventure and a symbol of freedom. But without the right insurance coverage, those adventures could quickly turn into nightmares. By understanding the unique needs of RV insurance, tailoring your policy to fit your lifestyle, and choosing a trusted provider like Hertvik Insurance Group, you can ensure that your home away from home is always protected.

Why Choose Hertvik Insurance Group?

When it comes to protecting your home away from home, you need an insurance provider you can trust. That’s where Hertvik Insurance Group comes in. With years of experience in the industry and a dedication to personalized service, we’re here to help you navigate the ins and outs of RV insurance. Our team of experts will work with you to customize a policy that meets your unique needs and provides the peace of mind you deserve.