Insuring an RV with a typical auto policy will leave significant coverage gaps. RV's should be insured with a specialized policy that covers things an auto insurance policy would not cover, such as: Total Loss Replacement - Applicable to buyers of new RV's in the first five model years. It replaces the RV with a similar unit, even if the replacement costs more than the original. This coverage is a good protection against steep RV depreciation, in case of total loss. Replacement Cost of Personal Belongings - RV policies give you the option to specify a limit to include all of your personal belongings destroyed by most events, whereas auto policies only cover a limited amount of content in a vehicle. Full-timer Liability - Offers liability coverage similar to homeowner's insurance when the RV is parked and is used as a residence. The coverage includes emergency treatment and medical expenses for others injured in or around your RV. Campsite Liability - Similar to full-timer liability. However, it is geared towards short-term vacationers. Emergency Expenses - Reimburses for expenses such as lodging, meals, and travel for living outside the RV while it is being repaired as long as the covered loss occurs a set number of miles from your fixed residence (usually about 50 miles). Higher Liability Limits - RV insurance offers significantly higher liability limits than auto insurance. Most RV's are much larger than cars and have the potential to cause a significant amount of damage. Higher limits provide greater financial protection after an unfortunate incident.