We Know: All about RV Insurance Is there a special kind of insurance coverage for RVs? An RV might be a watercraft, motor home, or motor cycle and All-Terrain Vehicles. If you are fortunate enough to own an RV, you will want to protect it by purchasing RV insurance. This insurance  covers the special risks that RV owners encounter. Neither automobile insurance nor household insurance will cover RV's. What type of insurance do I need for my watercraft? For your watercraft or boat you should have, PWC (personal watercraft coverage) should include: water ski coverage have high limits and low deductibles replacement costs for personal items actual cash value no restrictions What type of insurance do I need for my motor home? There are different levels of insurance you will need for a motor home,  fifth wheel, RV or camper. To protect your motor home, you want your insurance policy to cover the following: bodily injury liability protection damaged two and others property coverage in case of collision comprehensive coverage special coverage for a sound system covered for medical payments no fault personal injury protection coverage (PIP) You may also want uninsured and underinsured motorist coverage roadside assistance and towing What type of insurance coverage do I need for my ATV? You will need motorcycle insurance for these types of vehicles, although in some states  ATV insurance is available independently. The insurance should cover the following: liability (bodily injury two others ) property damage , in case you damage someone's property uninsured motorist coverage comprehensive coverage collision coverage If a roadside assistance and towing medical expenses and theft or vandalism Can I do without all of the insurance? Minimum liability insurance is required for all self-propelled motor vehicles. Most of the other coverages are for your peace of mind.
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