Recreational Vehicle Insurance is written with basically the same coverages as car insurance. The possible need for special coverage for custom equipment should be addressed when purchasing a recreational vehicle policy.
The driver is responsible for injuries to a passenger, and there is almost no limit as to how serious these injuries can be. Our best advice is to never take a passenger. When you do take a passenger, your entire financial future can be at risk.
Homeowners' policies will not cover recreational vehicles when they are used off your property due to specific exclusions in the policies. Never assume that your homeowners' policy will provide coverage for a recreational vehicle that is parked in your garage. Here is a brief summary of recreational vehicle insurance coverages.
Recreational
