travel trailer vacation liability

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Quick Guide: What is Vacation Liability RV Insurance?

• Last updated on May 13, 2022
• by Schuyler Wigen

Life is incredibly unpredictable. No amount of planning and preparation can fully protect you from the unforeseeable accidents that occur every day. This is especially true when you leave the comfort and safety of your home and hit the road in an RV.

Luckily, insurance exists for this exact reason; to protect you from personal liability for expensive repairs and medical bills.

But what are you to do if you’re lounging around the campfire at your campsite and a tree branch suddenly falls through the roof of your camper? Will auto insurance cover the repairs? What about your RV insurance policy? Unfortunately, usually no.

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An often overlooked but extremely important element to owning and traveling in an RV is vacation liability RV insurance.

What is Vacation Liability RV Insurance?

RV vacation liability coverage is an essential form of insurance that protects you from potential liabilities while your camper is parked at a designated campsite during your vacation. Unlike standard RV liability insurance, this specialized coverage focuses on incidents that occur while your vehicle is stationary. By investing in vacation liability RV insurance, you can have peace of mind knowing that you’re shielded from legal and financial risks if someone sustains injuries or damages near your parked RV. Ensure you choose the right coverage level for your needs and consult with insurance providers to enjoy a worry-free RV getaway.

How is it Different from RV Insurance?

While vacation liability coverage protects your assets while you are parked and camping, regular RV insurance covers a range of accidents that can occur while your camper is on the move .

RV Insurance Coverage

Your RV insurance coverage should include damage from collisions, vandalism, and weather and will generally also offer bodily injury liability and protect you should your camper be damaged from a collision with an uninsured motorist.

What is Covered?

So, what exactly is going to be covered once you have made the wise decision to purchase vacation liability RV insurance?

Although this type of insurance is generally only active when your camper is parked at any place, luckily it can cover a broad range of accidents you may run into while camping.

Property Damage

Almost all states in the US require your RV or camper to have some form of insurance coverage. These RV insurance policies cover property damage that occurs while on the road, but not damage that may occur while parked at a campsite.

This is what vacation liability coverage is for. Any number of accidents can happen at a campground and without vacation liability coverage, you could have to cough up a lot of dough to fix your rig should an accident happen.

What kind of accidents can be covered?

• A neighbor backs their camper into yours while backing into a parking space
• Heavy winds topple tree branches, puncturing holes in the tent fabric of your sweet Expedition camper trailer .
• A wayward spark blows through an open window, lighting a fire in your camper.

In these types of accidents, most RV insurance and auto insurance policies won’t cover you for damages. While it’s unlikely you’ll ever run into one of the scenarios, it’s better to be safe than sorry.

Injury to Someone Else

Let’s imagine that you’re camping at a designated RV park and invite your campsite neighbors over for a drink around the fire. One drink turns into a few, and before you know it an accident has occurred; while walking back to your camper, you accidently knock your new friend’s chair over and during the subsequent fall they’ve cut their hand.

Because you are at fault for their injuries and the accident that occurred at your campsite, you could be found to be financially liable for the cost of any medical treatment needed. This is when your vacation liability insurance kicks in.

It can pay for their medical expenses and should they decide to sue, even protect you from legal fees.

Unsure who to purchase your liability insurance from? Check out the policies offered by our friends over at Good Sam Insurance Agency . For decades they have worked hard to provide some of the best specialized insurance for almost any recreational vehicle you might have.

You can check my blog on how much it costs to insure a travel trailer too.

When Does Vacation Liability Coverage Not Kick-In?

Pretty straightforward answer here; when you’re on the road . If your camper is moving, or even parked in a parking lot, your vacation liability coverage probably won’t kick in.

Liability Coverage for Full-timers

Spend more than 150 nights per year in your camper and to insurance companies you are considered as a full-time RVer. If that’s the case, you might not be eligible for a vacation liability insurance policy and will instead need to look into full timers’ coverage.

Full time RVers coverage will cover a range of scenarios, including injuries and property damage that occurs at the campsite. They typically also cover a wide array of scenarios not covered by vacation liability, so they’re often the preferred policy if you live the RV life full time.

Keep in mind that if you have overlapping RV insurance coverages, your vacation liability insurance might be unwilling to pay out if they become aware of your full-timer’s coverage.

Be Smart, Be Safe

The vast majority of your camper adventures are going to go off without a hitch.

Every once and a while though, chaos will find you. When it does, you’ll want to be prepared with vacation liability RV insurance.

Happy trails, friends.

Schuyler has been working and playing outdoors his entire adult life. As a ski-bum in his early 20’s, he began building campers in the beds of pickup trucks to pursue a life of freedom and adventure. After a decade of experience as an artist and carpenter in Washington State, he moved to Colorado to work as an RV technician, converting vans into luxury campers. Now he is traveling the world, using writing as a way to continue his passion for creativity and artistry.

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RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

• RVs with more than four wheels.
• Drivers not listed on your policy.
• Rentals longer than 30 days.
• The full value of the RV.
• Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

• Motorized RV insurance
• Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

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Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

• Total loss replacement
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• Vacation liability
• Emergency expense coverage
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Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

• Conventional travel trailers
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RV Insurance: Get the answers you need.

• Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
• How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
• What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Best Travel Trailer Insurances

Travel trailer insurance isn't mandatory, but it's a good idea to get some. It's essential for protecting yourself and your investment when you’re going out on a trip.

Like auto insurance, travel trailer insurance policy provides financial protection in the event of accidents, injuries and other regrettable things. A good, honest insurance cover will reimburse you for repairs, hospital bills and offer liability protection in the event you injure someone or damage their property.

Read on for our list of the best travel trailer insurance companies and see which coverage best suits your needs...

• Available in almost all states
• Extremely high customer satisfaction scores
• Excellent windshield repair and replacement plans
• Includes emergency expense coverage with the basic plan
• Offers replacement for personal effects for up to $100,000
• Still not available everywhere
• Replacement options automatically change over time

Geico’s insurance plan for travel trailers mainly covers comprehensive and collision needs. However, they include some extra benefits with these policies, including vacation liability coverage and emergency expense coverage. Geico also offers a medical payments coverage plan that will pay for medical treatments regardless of fault.

Geico stands out because of its excellent insurance packaging at reasonable costs. It includes some types of coverage that other providers charge separately for, making it an excellent deal for most users.

Geico may be known mostly for its advertising campaigns, but their RV insurance offers great coverage at reasonable rates. They’re a great choice if you want to get a simpler plan, without needing to pick and choose your coverage.

There Are Plenty of Discounts

RV insurance is already affordable unless you add too many optional things to your coverage (see below for more on this), but it’s possible to reduce costs even further if you talk with your insurance provider.

The best discount is “not in use” discount. This goes by different names at different companies, but it broadly refers to discounted rates you can get when your RV is in storage for extended periods. A non-use discount can reduce insurance costs by as much as half, making it worth asking about.

Costs Can Add Up Quickly

Basic travel trailer insurance is highly affordable. If you can afford such a trailer in the first place, you can afford RV insurance. However, when you start adding on all of the optional upgrades, costs can start to get very high, very fast. Ultimately, you need to decide how to balance your risks with your insurance expenses and avoid paying too much.

Watch Out for Scammy Insurance Companies

Yes, we said it. There are many companies that try their best not to pay out, so don't go for something cheap from a company you've never heard of.

Travel Trailer Insurance FAQs

Here are some of the most common questions that people have about travel trailer insurance.

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RV Liability Insurance

Here's what you need to know about your coverage.

Jessica Huneck is an insurance writer from TrustedChoice.com. She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.

If you are buying an RV, you may wonder, “What is liability insurance, and how much do I need?” Liability insurance is your protection when you cause an accident and are required to pay for the injuries and damages.

Liability insurance is required for all automobiles and RVs in nearly every state. If you are looking for RV coverage , or are looking to lower your RV insurance costs, talk to a member agent in our network. 

Your agent will work with you to compare plans and customize a policy to ensure that you are protected financially. Contact an independent agent to get the coverage you need.

What Does Liability Insurance Cover?

• Damage to property of others: If you hit another car and cause damage to that vehicle, your RV liability insurance would cover the costs of repairing or replacing the car.
• Bodily injury to others: If the other driver and/or passenger(s) are injured, your liability insurance will pay for emergency transport and the costs of emergency medical care and follow-up care.
• Lawsuits arising from an accident: If the driver files a lawsuit against you, liability insurance would cover the legal costs associated with the suit.
• Liability claims from visitors: If you are a full-time motorhome dweller and you use your motorhome as both your vehicle and your living space, your RV liability insurance should be designed to cover liability claims similar to those you may encounter in a residential home.

Liability can be defined as legal responsibility for your acts or omissions. So, whether you act irresponsibly or fail to see a stop sign and drive through an intersection, you are legally liable to pay the bodily injury costs, lost wages, funeral costs, and property damage for others involved in the accident. 

You will also need to pay for your legal defense if you are sued.

The amount of these costs that will be covered by your RV liability insurance depends on the limits you set when you buy your policy. If the cost of an accident exceeds your defined limits, you will be responsible for the additional costs. 

By purchasing a motorhome insurance policy with a higher premium, you can avoid out-of-pocket expenses.

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

RV Insurance Protects You from Financial Difficulty

The main reason to buy an adequate amount of RV liability insurance is that it mitigates your risk of financial ruin. It's exceptionally difficult to predict accidents or how severe and costly they will be when they happen. Your RV liability insurance will prepare you for unforeseen events.

When deciding how much RV liability insurance you want, think about what could happen in an extreme situation and how much it could cost. 

What could bodily injury costs amount to if you are responsible for an accident that leaves another person in need of a long hospital stay, surgery and rehabilitation? What could you be responsible to pay if you damaged another person’s property? What might you pay in legal fees if you are sued?

These are all questions to talk over with an agent who is focused on meeting your needs and ensuring that you are covered if the worst happens. The answers to these questions will give you a better idea of your overall RV insurance cost , and will, therefore, help you plan for the future.

What Are Liability Premium Limits?

A typical liability plan has three parts: bodily injury for one person, bodily injury for all persons involved, and property damage. Each part has a set limit, which you determine when you buy your policy.

For example, if your policy has a 30/60/15 limit, your insurance company will pay:

• Up to $30,000 for one person’s bodily injuries, including lost wages, funeral costs, or hospitalization.
• Up to $60,000 for bodily injuries for more than one person, including lost wages, funeral costs, or hospitalization.
• Up to $15,000 to repair or replace any damaged property, including cars, landscaping, street signs, etc.

You could also have a single liability limit like 300, for example. Your 300 limit would provide compensation for $300,000 worth of bodily injury and property damages combined. Talk to your agent to make sure you understand the liability limits on your RV insurance policy .

How Much Will You Pay in Liability Costs?

Let’s examine a scenario where you cause an accident that destroys the other car and the driver and passengers are injured. How much your insurance company will pay, and how much you will pay out of pocket, depends on your liability limits.

The cost of bodily injuries you’re liable for is $100,000 and the property damage costs for the car is $20,000. In this case, the out-of-pocket costs you would be responsible to pay would be:

• $40,000 in bodily injury costs
• $5,000 in property damage costs
• Totaling $45,000 out-of-pocket

It’s a good idea to purchase ample liability insurance; the minimum limits in your state might not be enough to protect you financially if you cause an accident. If you’re worried your liability insurance won’t cover you adequately, talk to your agent. 

You may be able to increase your liability limits or purchase an umbrella insurance policy to cover you in case a major accident threatens your bottom line.

Umbrella Policies for RV Insurance

To get more extensive RV liability insurance than the minimums required in your state, talk to your agent. You can either increase your limits, or consider buying an umbrella liability policy , which will provide additional coverage if the costs associated with your accident exceed the limits of your liability coverage.

Liability coverage is required for motorhome owners in nearly every state. Unfortunately, liability coverage may not be enough to cover costs from a severe crash.

How Is Your Premium Rate Determined?

The rate of your liability insurance is based on three primary factors:

• Your RV: The make, model and year affect the overall costs. For example, a travel trailer typically costs less than a Class A conventional motorhome , which means it may be cheaper to repair or replace in a major collision. It is also important to consider how you use the motorhome; for example, if you are a full-timer, you will most likely need more RV liability insurance.
• Your driving history: If you have traffic citations and accidents on your driving record, insurance companies may consider you at a higher risk for another collision. This means you will likely have a more expensive rate to pay.
• Your state: Where you live and travel will make a difference as well. Each state has different requirements for motorhome liability coverage, and the risks you face in each state differ as well.

Can You Get Accurate Online Quotes?

Online RV insurance quotes are a great way to start your coverage search.  You can easily compile some coverage options this way, but you might still have questions or concerns about your RV insurance.  An independent agent is a great resource at times like these.

Are you a full-time motorhome owner? Do you use your RV only seasonally? Do you have safety gear, such as anti-lock brakes that could result in a discount ? Is the minimum RV liability insurance requirement in your state particularly low? 

These are all questions to review with a knowledgeable insurance professional, like an independent agent in our network.  There may be a number of reasons to increase coverage, add personal injury protection, and other upgrades.

An independent agent can personally answer the above questions, provide accurate quotes and produce a policy customized for you. When you are ready to buy, find an agent in our network to compare policies from several insurance companies and find the right fit for you.