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Top 3 RV Insurance Coverages You Should Have


As the season winds down, now is the perfect time to do some shopping. Whether you are owning your first trailer or have past experience, we’re here to share with you the top 3 best RV trailer insurance coverages. These include coverages that are a given and some that are not always considered. Above all, M.B. Kouri Insurance Brokers include all of them in their policies. 

What is going on?

For people getting insurance for their RV either through an existing policy or a new one, make sure to look over the coverages. It important to ask questions you might be afraid to ask in order to understand what you’re getting.

Firstly, it is just as important for you to know what you’re getting as it is for the insurance companies to tell you. However, knowing what you are covered for is not always easy considering the inconsistent relationship many have with insurance companies. But do not let that stop you!  

What do I Need?

Lets get to it, these are the top 3 coverages we have coined as important for you and your trailer. With these in mind you’re one step closer to the best camping experiences.

1. Personal Liability 

  1. This covers you for any compensation you may have to provide due to bodily injury endured by guests while on or from your property.

This coverage is rated one of our most important and typically can be included in your policy. In particular, this coverage is important if you are within a campground. For example, on seasonal sites you can never be to careful when it comes to other seasonal campers. Additionally, if you are a transient camper this is especially important considering you may not know much about the environment of the park.

2. Golf Cart Liability 

This provides insurance up to $2 000 000 for claims that might arise from your ownership, use or operation of a golf cart.

We understand that not everyone has a golf cart. This coverage made the list because golf carts are actually NOT covered within campgrounds if on your house policy. Because this is the new way to travel within RV parks, having coverage saves you from anything unexpected. So, for all current and future golf cart owners consider the policy your golf cart is on. This ensures that you know that you can scoot around your park safely.


3. Theft and Vandalism

This provides coverage for your trailer as well as contents included on your policy. Whether one of your possessions are stolen or destroyed, you should be covered.

Although you can try your best to prevent this from happening, it can still be devastating if it happens. Theft seems to be more common when trailers are being stored or unoccupied. For that reason, we want to give you the peace of mind that if something happens outside of the adventure season, the financial stress is relieved. For how to reduce chances of theft of property with your trailer check out Katherine’s article about RV Safety

Why is this Important?

Because different insurance companies offer different coverages, having expectations for your trailer is a must. Knowing what you are covered for not only gives you peace of mind but also helps if the unfortunate case arose where you had to make a claim. At MBK we want to provide the best RV insurance solutions for you. To conclude, to get insight into what we recommend for claims check out our make a claim section.

Get the Right Insurance for you

 We’ve got you covered. Don’t believe us? Check out if our insurance package is right for you and get a free quote.


95% of customers continue to renew with us year after year

And … many of them have been with us since we started insuring campgrounds and trailers 40-years ago.