Rig & Ride

Coverages / Vacation (campsite) liability

On 5 of 10 default checklists

Vacation (campsite) liability

Liability for injuries at your campsite while the RV is parked and used as a dwelling — the gap between auto and homeowners cover.

1234
  1. 1RV and trailer types 5
  2. 2Powersports types 0
  3. 3Questions to ask 2
  4. 4All lines 14

When it matters

It pays when someone is injured at your campsite while the RV is parked and in use as accommodation.

Vacation liability fills a narrow gap. Once an RV is parked at a campsite and in use as accommodation, it is no longer being driven, so auto liability may not respond to a guest who slips on the steps or a child hurt by an awning; and a homeowners policy may not extend to a dwelling away from home.

It is usually inexpensive and is often bundled into RV policies, but not always. Towable owners are the most exposed, because their trailer's policy may be physical-damage only, with liability assumed to come from the truck — which covers the road, not the campsite. Full-time RVers need the broader full-timer coverage instead.

The common mistake is assuming the tow vehicle's policy covers the campsite. Auto liability is about driving; a guest injured by a parked trailer is a different kind of claim.

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 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 · 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.