What should my RV insurance include?

Each RV is unique. Not only does it serve a dual purpose as both a home and a vehicle, but there are also countless sizes, furnishings, and amenities. How owners choose to use their RV is also highly personal.

JD Insurance Group believes your RV insurance should be just as special. Our experienced agents can construct a customized policy that’s perfect for your summer travel plans.

While there are many available options and add-ons, here we list four coverages that should be included in every RV insurance policy:

Collision coverage

As basic as it sounds, this coverage shields against any damage that results from a collision. Most vehicle-based policies will include this type of protection, regardless of who is determined to be at fault.

Comprehensive coverage

All other non-collision damage falls under comprehensive coverage. Natural disasters, falling debris, and even theft are likely included. Refer to your specific policy for a list of what’s covered.


Nearly any insurance policy contains liability. For motorized RVs, this can be especially important. Unlike the previously-listed coverage types, liability isn’t for your vehicle. Liability protects you, reimbursing for expenses related to bodily injury, property damage, or legal expenses that you may have incurred.

Personal Property

Although RV and auto insurance policies are similar, personal property protection is the exception. This is more comparable to homeowners’ or renters’ plans since it applies to the belongings inside your ride.

Contact an agent serving Beaumont, TX

When it comes to RV insurance, JD Insurance Group knows that there is no such thing as "standard." Although the above components should exist in virtually every policy, RV insurance can be customized to meet your needs. Serving the greater Beaumont, TX community, the agency can find a plan that protects your interests. Schedule an appointment today.