Do you own a motor home or other type of recreational vehicle? Have you given any thought to the type of insurance you'll need to fully protect your RV-and yourself-against damages and liability? Selecting the right RV insurance policy requires a little homework on your part, but with several policies and options to choose from, this process can seem a bit overwhelming at times.
To help make this process a little easier to bear, here we have compiled some basics associated with RV insurance, including items which are covered in a standard RV policy-and those that are not.
The Standard RV Insurance Policy Whether you are financing your RV or you own it outright, there are some basic types of insurance that are always a good idea to secure.
These, which are usually part of a standard RV insurance policy, include:

• Liability Coverage.
  In the unlikely event that you damage another vehicle or structure while driving your RV, or if someone is injured either in your recreational vehicle or as the result of an accident, liability coverage can protect you from any costs you would normally incur.
  Liability coverage is required by law for all vehicles in operation, with rates varying from state to state.
  
• Collision Coverage.
  Collision coverage helps to pay for any damages to your RV in the event of an accident.
  
• Comprehensive Coverage.
  Comprehension coverage will help pay for any damages to your RV in the event of any non-collision events such as theft, vandalism, fire, and weather conditions.
  

RV Insurance Options There are several options packages which can be added to the standard RV policy to offer you greater protection.
These include:

• Uninsured/Underinsured Motorist.
  If you are involved in an accident with someone who is either uninsured or underinsured, this option can pay for the costs of repairing or replacing your RV.
  
• Medical Payments.
  This option will help pay for medical expenses which were directly related to an auto collision.
  Usually there are limits to this coverage.
  
• Towing.
   Towing a large RV, even a short distance, can be quite expensive.
  Towing coverage can help pay for these costs.
  
• Rental Reimbursement.
  If your RV is stolen or damaged due to an accident or other event, rental reimbursement coverage can help pay the costs of a rental car.
  
• Vacation Home Liability.
  If you are using your RV as a primary residence while on vacation, this coverage can help protect you financially up to a certain limit if someone gets injured while in your RV.
  

Owning a recreational vehicle can be a lot of fun, but it's also a huge responsibility.
Take the time to discuss all your insurance needs thoroughly with a qualified agent to ensure you're getting the best possible protection for the price.