Like your automobile, your RV needs to be insured. If it is a motorized RV, most states require that you have insurance coverage. However, the company that insures your car is not necessarily the best company to insure your RV. Your auto insurance company may be able to provide you with coverage, but you will need to discuss the coverage with them. Most automobile insurance policies exclude coverage for the vehicle if you are living in the vehicle. Be sure to discuss this with your agent and have the policy modified to have that language excluded or modified to fit your needs. If your agent is unable or unwilling to issue a policy that will provide the coverage you need, it is time to look at other insurers that specialize in RV coverage.
When you are shopping for insurance coverage, be sure to pay attention to the scope of coverage. Some insurers may offer adequate insurance for the rig itself, but there may be minimal coverage for the contents of the RV. Take a minute to look at all the cargo you will be taking, and you will quickly realize that if you suffered a complete loss of your RV and its contents, the replacement costs would be substantial. Even if you need to pay extra for increased coverage for contents, it may be well worth the cost. You may also want to check your homeowner's policy. Under it, you may have some limited coverage for your possessions while in your RV. If you find the language of the policy confusing (as most legal documents are), check with your insurance company or agent.
One of the most important documents you need to carry in your rig is your proof of insurance. In most states, the laws mandate that you show proof of insurance (along with a valid driver's license and registration) at any traffic stop. Avoid a costly fine by keeping the proof of insurance and other documents in reach of the driver.
If you use your RV for business (and there are a number of people who do), your standard RV insurance policy may not cover those items you use for business. You will most likely need to purchase a rider to cover items used in business or purchase a completely separate policy for business-related items.
Make sure you have adequate coverage for all contingencies. Are you covered for liability if a visitor missteps and falls when leaving your rig after a card game? It can happen just as easily in your RV as it can in your home and you should be prepared.
Some RV insurance policies offer standard or optional roadside assistance and towing. This coverage can be worth its weight in gold when your rig has broken down in the middle of nowhere or even if you run out of gas. Generally, you will call an 800 number and the insurer will then contact a local towing company they have contracted with for service. Many auto insurers offer roadside assistance coverage, but you may have to pay extra for towing an RV instead of a car. Be sure to quiz your insurer if you are getting coverage from the same place as your automobile.
Should you break down and need to be towed without this coverage, you should be prepared for a hefty bill from the towing company. They will have to send a tow truck capable of towing such a large vehicle, and they don't come cheap.