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I recently sat down with my agent to do a thorough audit of our auto, rv and homeowners policies.
Our premium for mandatory rv comprehensive coverage is around $300/yr. This only covers damage to the rv while traveling. I found that our existing home owners policy covers damage and liability while parked at home or at a campground. I asked these specific questions.
It was explained to me that if a tree falls on my rv while parked on private property (campground), or if my rv causes damage or injury to others, my homeowners policy covers it. Sounds strange but my agent was very clear about that. I Park the rv at a seasonal site half the year so my qquestions were very specific.
If my rv is damaged say by backing into a tree, the rv ccomprehensive policy covers that.
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