RV Insurance Mistakes Even Experienced Campers Make

Most RV owners spend plenty of time planning routes, researching campgrounds, and packing for their next adventure. But one of the most important trip preparations often gets overlooked: reviewing your RV insurance coverage.

The surprising truth? Some of the biggest RV insurance mistakes aren’t made by beginners. They’re made by experienced campers who assume they already know what’s covered.

On a recent Girl Camper Podcast episode, I sat down with RV insurance expert Melissa Geric of Progressive Insurance to talk about common coverage gaps, lending your RV to friends, protecting upgrades like solar panels and bike racks, and what every RV owner should review before camping season.

Here are some of the biggest RV insurance mistakes to avoid.

Assuming “Full Coverage” Means Everything Is Covered

One of the most common misconceptions Melissa sees is the belief that “full coverage” automatically protects against every possible situation.

In reality, insurance policies include specific coverages, limits, and exclusions. Understanding what your policy actually covers is far more important than assuming you’re protected.

Before your next trip, review:

• Comprehensive coverage
• Collision coverage
• Liability limits
• Personal effects coverage
• Vacation liability coverage
• Roadside assistance options
• Emergency vacation expense coverage

Taking a few minutes to understand your policy today could save you a major headache later.

Not Carrying Enough Liability Coverage

Your RV isn’t a typical passenger vehicle.

Whether you’re driving a large Class A motorhome or towing a fifth wheel, you’re operating a vehicle that is significantly larger and heavier than most cars on the road.

That means an accident can result in substantial property damage and injury claims.

Melissa recommends carrying as much liability coverage as you comfortably can. It’s one of the most important protections on your policy and one that many RV owners don’t fully appreciate until they need it.

Lending Your RV Without Checking Your Coverage

Many of us have friends or family members who would love to borrow our RV for a weekend.

Before you hand over the keys, make sure you understand how your policy handles other drivers and occupants.

Questions to ask include:

• Is the person covered while driving?
• Should they be added to the policy?
• What happens if damage occurs while they’re using the RV?
• Are there restrictions based on how often the RV is being borrowed?

A quick conversation with your insurance agent before lending your RV can help prevent confusion if something unexpected happens.

Forgetting to Update Your Policy After Upgrades

Today’s RV owners are investing more than ever in upgrades.

Popular additions include:

• Solar panels
• L