Rig & Ride

Coverages / Emergency expense

On 6 of 10 default checklists

Emergency expense

Hotel, meals and transport when the RV breaks down or is damaged far from home.

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  1. 1RV and trailer types 6
  2. 2Powersports types 0
  3. 3Questions to ask 2
  4. 4All lines 14

When it matters

It pays for lodging, meals and transport home when a covered loss leaves you stranded far from home.

When an RV is damaged far from home, the costs that follow are not repair costs: a motel, meals, a rental car, perhaps a flight home and a return trip to collect the vehicle. Emergency expense coverage pays for those, up to a daily and total limit, after a covered loss.

Policies usually set a distance from home before the coverage applies, and a cap per day. For long trips or full-time travel, compare those figures with realistic costs on your route. It is separate from roadside assistance, which deals with the vehicle; emergency expense deals with the people.

The common mistake is assuming roadside assistance covers a hotel. Roadside moves the vehicle; emergency expense pays for the people while the vehicle is repaired.

Ask before you buy

Vehicles it is on

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...

Other lines

Liability (bodily injury and property damage) · Collision · Comprehensive · Uninsured / underinsured motorist · Medical payments / PIP · Custom parts and equipment · Total loss replacement · Agreed value · Full-timer liability · Vacation (campsite) liability · Personal effects · 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.