Buying insurance for your RV is similar to buying insurance for your car, but there are some key differences and other considerations unique to owning an RV.
The key components of an auto insurance policy are also available for recreational vehicles.

Bodily injury liability: Protects against liability expenses due to injuries to others in an auto accident

Personal property liability: Protects against liability expenses due to damage to the property of others in an auto accident.

In most states and provinces, liability insurance is required by law.
Your policy can also cover damage to your RV:

Collision coverage: Provides protection if your vehicle is damaged due to a collision with another vehicle, a stationary object, or in a rollover

Comprehensive coverage: Provides coverage for many other risks, like fire, floods, falling objects, or glass breakage.

Often, you can also purchase coverage for add-ons, like awnings, satellite dishes or antennas, or other items that are not part of the camper from the factory.
Towing coverage may also be available, which can be a lifesaver when you‘re on the road. Emergency expenses may also be covered if you break down while travelling.
Your personal property can be covered as well, but in this case, how you are using the camper can dictate how your personal property is covered. For example, if you have homeowners or renters insurance policy and only use your RV part-time, your home insurance policy can provide protection for your personal belongings. However, if you travel full-time in your RV, many insurers offer personal property coverage as an add-on to your RV insurance policy.

Like all types of vehicle insurance, it‘s important for your insurer to understand the risks and the value of the insured vehicle. Have a candid conversation with your broker and be sure to discuss any customization your RV has and any special considerations, such as if you are living in your RV full-time. This information guides the conversation so you can learn all your coverage options and considerations.