Comprehensive

Theft, fire, hail, flood, falling objects and animal strikes. For a stored RV or a motorcycle in a shared garage, this is the coverage most likely to be used.

1RV and trailer types 6
2Powersports types 4
3Questions to ask 2
4All lines 14

When it matters

It pays for theft, hail, fire, flood, vandalism and animal strikes — the claims that happen while a vehicle is parked or stored.

Comprehensive covers the things that happen to a vehicle when nobody is driving it, which is most of an RV's life and much of a motorcycle's. Hail on a trailer parked in an open storage lot, a bike stolen from a driveway, a motorhome damaged by a falling branch or a flood at the campground are all comprehensive claims.

It is the one line that should stay in force all year, including while a vehicle is laid up for the winter; lay-up options are designed to suspend road coverages and keep this one. Ask whether hail or flood carry their own deductibles, and whether the address where the vehicle is stored, rather than your home address, is what the insurer rates.

The common mistake is suspending everything in winter. A stored vehicle cannot crash, but it can be stolen, flooded or hit by hail, and those are exactly the losses comprehensive pays.

Ask before you buy

Does storage at an off-site lot change the premium or the cover?
Is hail subject to a separate deductible?

Vehicles it is on

MotorcycleTwo wheels and no crumple zone: injuries, not property damage, drive motorcycle claims, which is why UM/UIM...Class A motorhomeA bus-sized motorhome is a vehicle and a home at once; the policy has to cover both roles, and a breakdown far...Class B camper vanBuilt on a van chassis and driven daily by many owners, a Class B is closest to an auto policy with RV...Class C motorhomeA cutaway truck chassis with a cab-over bunk: rental fleets favour them, so check whether a policy covers...Travel trailerA towable has no engine, so liability on the road usually comes from the tow vehicle's auto policy; the...Fifth-wheel trailerThe large towable many full-timers live in; full-timer liability and contents limits matter as much as the...Toy haulerA trailer with a garage for bikes and ATVs: the cargo inside needs its own policies, which the trailer policy...ATV / UTVMostly ridden off-road, where an auto policy does not reach and a homeowners policy often excludes motorised...SnowmobileSeasonal by nature; a lay-up option keeps theft and fire cover through the summer at little cost.Scooter / mopedWhether a small scooter needs registration and insurance depends on engine size and state; when it does, the...

Other lines

Liability (bodily injury and property damage) · Collision · Uninsured / underinsured motorist · Medical payments / PIP · Custom parts and equipment · Total loss replacement · Agreed value · Full-timer liability · Vacation (campsite) liability · Personal effects · Emergency expense · Roadside assistance and towing · Storage / lay-up option

Written from standard RV and motorcycle policy forms; your policy's wording governs. Checked 2026-10-23. Methodology.