If you want a RV you’ve got to have decent RV insurance. You can tailor your insurance policy to meet your specific needs so that you and your family and friends are protected against any unfortunate situation. No matter the state where you live or the type of RV you have, there are some aspects of insurance coverage that all RVers should carry. It’s very important to have adequate liability coverage for your RV just like with your auto insurance. Liability coverage can protect you as well as the people who may be riding in your RV at the time of an accident. In the case of RVs, it also does much more than that. People may be injured while in the vehicle if you are living in your RV. In case someone is hurt in or around your RV while using its electrical equipment or is injured by a fall, vacation liability coverage protects you much like homeowner’s insurance. Comprehensive and collision coverage is also a necessity. RVs, like any other automobiles on the road, are often involved in accidents. If you think about the size and price of most RVs, you know that you could spend thousands of dollars on repairs or replacement. If your RV is involved in an accident or stolen, it’s important to know if your insurance policy provides for you. There are 3 general types of coverage that are based on the value of your RV. Later we’ll explain what these are. If you plan to live in your RV permanently, full-timer’s insurance is a necessity. Traditional RV policies may not cover you in case an incident occurs while your RV is being used as a full-time residence. With full-timer’s insurance, you may be covered for medical payments, items kept in storage and personal items that are lost or stolen. Having this coverage is especially important if you do not have another primary residence. You can pick and choose the best aspects of your RV insurance policy for your needs, but it’s important to have 3 basic coverage items. The 3 necessary minimum requirements to protect you and you RV are liability coverage, comprehensive and collision coverage and full-timer’s coverage. You’re protected with these types of coverage against some of the most common mishaps so that you can enjoy your free time.