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RV Insurance: Vacation Liability Insurance Coverage

Vacation liability insurance is a type of insurance that helps if you accidentally injure someone. Contact your RV insurance agent to add vacation liability coverage.

By TX Insurance QuotesPublished about a year ago 4 min read
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There is nothing like hitting the empty road in an RV. The freedom to explore new places and the flexibility to change your plans on a whim are just a few reasons why RVing is such a popular way to travel.

But before heading out on your next RV adventure, ensure you have the right insurance coverage. Vacation liability insurance is one type of coverage you should consider adding to your RV insurance policy.

What is Vacation Liability Insurance?

Vacation liability insurance is an optional coverage that may help protect you financially if you injure someone else or damage property. At the same time, your RV is parked at a designated campsite, which might exclude camping sites on public land.

It also extends liability coverage if you're found at fault for an accident involving your RV that causes bodily injury or property damage to someone else. Contact your RV insurance agent for the specifics of your coverage to discover precisely what is covered by your particular policy.

Let's look at the many situations when vacation liability coverage may come to your rescue and different examples of each.

What Does Vacation Liability Insurance Cover?

Injury to Someone Else at the Campsite

When you're stopped at your campsite, RV and auto insurance will usually not cover injuries that happen to you or your vehicle. That's why it's essential to have vacation liability insurance, which may help if you accidentally injure someone at your campsite or are found responsible for an accident that causes injury to someone else.

For example, let's say you're at your campsite when a gust of wind blows your awning onto your neighbor, causing them to trip and fall. If they suffer an injury, your vacation liability insurance may help pay for their medical bills (up to your policy limit).

Or, let's say you're backing your RV into a campsite and accidentally hit another camper's vehicle. If the other camper is injured, your vacation liability insurance may help pay for their medical bills (up to your policy limit).

Accidental Property Damage at the Campsite

Suppose you are parking your RV at the campsite and accidentally hit someone else's property, such as their vehicle. In that case, vacation liability insurance may help pay for the damage (up to your policy limit).

For example, let's say you're backing your RV into a campsite and accidentally hit another camper's vehicle. If the other camper's vehicle is damaged, your vacation liability insurance may help pay for the repairs (up to your policy limit).

When Does Vacation Liability Insurance Not Cover You?

When your RV is on the road, it's protected by the bodily injury liability and property damage coverage from your RV insurance or auto insurance policy, regardless of the vehicle you're driving. However, when your RV is parked at the campsite, this coverage usually does not apply. That's why it's important to have vacation liability insurance.

Also, full-time RVers who stay in their vehicles for more than 150 nights may not get unlimited vacation liability coverage. RVers who stay at campsites will require a full-time RV insurance policy that already includes comprehensive coverage for injuries and accidents at campgrounds.

But, if you're a part-time RVer and don't plan on staying at the campsite for more than 150 nights, you may not need a full-time RV insurance policy. In this case, you may add vacation liability insurance to your auto insurance policy.

To be sure you're covered, contact your RV insurance agent about adding vacation liability coverage to your policy.

How to Get RV Insurance With Liability for Vacation

Adding vacation liability RV insurance coverage to your policy is usually quite simple. It's an add-on, so you won't have to get a new RV insurance policy to take advantage of it. Instead, you can usually add it with a phone call or by adding it to your policy online.

Be sure to speak with your Corpus Christi RV insurance agent to find out exactly what is and isn't covered by your vacation liability insurance. You don't want to be caught off-guard if you have to make a claim.

Read here to know RV insurance advantages vs. disadvantages.

In Conclusion

Vacation liability insurance is an important type of coverage for RVers. It may help pay for medical bills and property damage if you accidentally injure someone or damage their property while parked at the campsite. However, it's essential to know that this type of insurance usually does not cover you when your RV is on the road. To assure you are getting the coverage you need, speak with your RV insurance agent about adding vacation liability insurance to your policy.

So, what are you waiting for? Go out and explore the world in your RV, knowing you have the right insurance coverage to protect you along the way.

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