Coverage Explorer
Your RV & Motorhome
An RV is part vehicle, part home — and it needs coverage for both. Explore below to see how the pieces fit together. General education, not a coverage determination — your GSP agent confirms your specific policy.
Tap a marker on the home to explore each risk and how coverage generally responds.
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01
Liability
Damage and injuries you cause while drivingThe risk
Damage and injuries you cause while driving. A motorhome is a large vehicle; an at-fault accident can mean serious liability for others’ injuries and property.
The coverage
Liability coverage. RV liability generally responds like auto liability — others’ injuries and property damage when you’re at fault, up to your limits.
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02
Physical Damage
Collision, storms, awning and roof damageThe risk
Collision, storms, awning and roof damage. From a low overpass to a hailstorm at the campsite, an RV takes damage in ways a car doesn’t.
The coverage
Collision & comprehensive. Physical-damage coverage generally pays to repair or replace the RV after a covered loss, minus a deductible.
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03
Personal Effects
Everything you travel with insideThe risk
Everything you travel with inside. Clothing, electronics, kitchen gear, and outdoor equipment travel with you and can be lost to fire, theft, or an accident.
The coverage
Personal effects / contents coverage. RV policies generally offer coverage for your belongings inside — useful since a homeowners policy may not fully cover items in a vehicle.
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04
Full-Timer Liability
Living in the RV changes your exposureThe risk
Living in the RV changes your exposure. If the RV is your residence for extended periods, you have home-like liability exposure a standard auto-style policy won’t address.
The coverage
Full-timer coverage. Full-timer coverage generally adds homeowners-style liability and protections for those who live in the RV most of the year.
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05
Roadside & Towing
A breakdown with a heavy rig is a big dealThe risk
A breakdown with a heavy rig is a big deal. Towing a motorhome isn’t a standard tow-truck job, and a breakdown far from home can strand you.
The coverage
RV roadside assistance. Specialized roadside coverage generally handles towing and help sized for a large RV, plus options for lodging when you’re stranded.
This Coverage Explorer is general education only and is illustrative. It describes common RV and motorhome exposures and how coverage generally responds — it is not insurance advice, a quote, or a coverage determination, and it does not amend, modify, or supplement any insurance policy. Actual coverage, exclusions, deductibles, and limits are governed solely by the terms of your issued policy and applicable law. No coverage can be bound, changed, or confirmed through this tool. For guidance on your specific situation, speak with a licensed GSP Insurance Group producer and refer to your actual policy.
Questions about your coastal coverage?
Every home is different. Talk with a licensed GSP producer and we'll review your specific policy and exposures.