Not all RV insurance policies are created equal—and choosing the wrong one could leave you underinsured when it matters most.
Whether you're a full-timer, weekender, or just picked up your dream rig, here are 5 smart questions to ask before locking in a policy:
❓ 1. Is this an RV-specific policy or just a standard auto policy?
A true RV policy includes features like vacation liability, personal effects coverage, and optional full-time liability. If your agent only writes auto coverage, you might be missing key protections.
❓ 2. What’s the loss settlement option—Actual Cash Value or Total Loss Replacement?
The difference between these can be tens of thousands of dollars after a total loss. Make sure you understand what you'd actually get if your RV is totaled.
❓ 3. Are my personal belongings and attached accessories covered?
Think awnings, solar panels, dish receivers, and the stuff inside your rig. A good RV policy will let you customize personal effects and rating basis to match your setup.
❓ 4. Is there coverage for my towed vehicle or dinghy?
If you're flat-towing a Jeep or car behind your RV, that vehicle needs its own policy, companion polies are often available.
❓ 5. What happens if I go full-time (or already am)?
Living in your RV full-time changes your risk profile. Be sure your agent knows whether your RV is your primary residence, so you get full-time liability and proper emergency expense coverage.
At Twin Peaks RV Insurance, our agents specialize in RVs—and we’ll make sure these questions (and more) are answered before you ever sign anything.
👉 Start your custom quote here
Or call 800-507-8467 and ask us anything. That’s what we’re here for.