• Liability and Property Damage: This fundamental coverage protects you against claims for bodily injury or property damage you cause to others in an accident while operating your recreational vehicle. This can help cover medical expenses for injured parties or repair costs for damaged property, as well as legal defense fees. 

• Uninsured/Underinsured Motorist Coverage: Provides bodily injury and property damage protection if you're involved in an accident with a driver who has insufficient coverage or no insurance at all. This helps ensure your medical bills and vehicle repairs are covered even if the at-fault party can't pay. 

• Collision: Provides physical damage coverage for repairs to your recreational vehicle if it's damaged in a collision with another vehicle or object. 

• Comprehensive: Protects your recreational vehicle from non-collision incidents. This includes damage from events beyond your control such as fire, theft, vandalism, falling objects, or damage from natural disasters. 

• Medical Payments/Personal Injury Protection (PIP): Coverage for necessary medical expenses for you and your passengers if injured in an accident while operating your recreational vehicle, regardless of who is at fault. 

• Roadside Assistance: Helps with expenses for emergency towing, fuel delivery, jump-starts, and other assistance services if your recreational vehicle breaks down, whether you're on the highway or off the beaten path. 

• Trip Interruption Coverage: If your motorhome or motorcycle becomes disabled due to a covered loss a certain distance from home (e.g., 50 or 100 miles), this coverage can help with unexpected expenses such as lodging, alternative transportation, or meals while your vehicle is being repaired. 

• Custom Parts and Equipment: Provides coverage for aftermarket parts, modifications, or custom equipment that adds value to your recreational vehicle beyond its factory condition. This is especially important for customized motorcycles, upgraded motorhomes, or ATVs with specialized gear. 

• Personal Umbrella Protection: This is an invaluable layer of protection that significantly extends the liability limits of your underlying insurance policies, most notably your recreational vehicle insurance, but also your homeowners and rental property insurance. Personal Umbrella Coverage provides additional liability coverage, typically in increments of $1 million, designed to protect your assets and future earnings in the event of a catastrophic lawsuit. For recreational vehicle owners, this is especially critical. Imagine a severe accident where you are at fault, resulting in multiple serious injuries or fatalities. The medical expenses, lost wages, and pain and suffering awards could easily exceed the liability limits of even a robust recreational vehicle policy. In such a scenario, your umbrella policy would kick in once your primary underlying insurance limits are exhausted, covering the remaining costs up to its limit. This shields your personal assets, such as savings, investments, and even your future income, from being seized to satisfy the judgment. Beyond vehicle incidents, an umbrella policy also provides broader protection for other severe liability claims, such as someone being seriously injured on your property. It often includes perils like libel, slander, or false arrest, and can extend to situations beyond your vehicles or home. This coverage is particularly important for individuals with significant assets or those who engage in activities that increase their risk of being sued, as accidents are a leading cause of large liability claims. 

Note: This list in not comprehensive and does not provide official insurance policy language. Coverage options may differ among insurance companies and policy types. Availability varies by State.