Comprehensive vs. Collision RV Insurance—What’s the Difference?

Owning a recreational vehicle (RV) provides access to a world of adventure and freedom, but it also comes with the responsibility of ensuring your investment is well-protected. RV owners should consider two key types of coverage: comprehensive and collision insurance. Understanding the distinctions between these coverages and knowing when each is essential can help you make informed decisions about your RV insurance policy.

Comprehensive RV Coverage

Comprehensive insurance, often referred to as “other than collision” coverage, can help pay for a wide range of non-collision-related incidents. This type of coverage is designed to cover damage that results from events beyond your control. For example, if your RV is damaged by a natural disaster, such as a hailstorm or a flood, comprehensive insurance could help cover the repair costs. It also typically covers theft, vandalism and damage caused by falling objects, such as tree branches.

Collision RV Insurance

Collision insurance, on the other hand, covers damage to your RV resulting from collisions with other vehicles or objects. Whether you accidentally back into a tree while parking at a campsite or are in a traffic accident, collision coverage can help pay for the repairs to your RV. This type of insurance is crucial for protecting your vehicle from the financial impact of accidents, regardless of who is at fault.

When Each Coverage Is Essential

For most RV owners, having both comprehensive and collision coverage provides appropriate protection. This combination ensures that your RV is covered for a wide range of potential risks.

Contact Us

Contact Thrifty Insurance Services in Upland, CA, to compare RV insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.