Coverage by vehicle

The first question in RV and powersports insurance is not the price, it is which lines apply at all. A motorhome is a motor vehicle and needs liability of its own; a towed trailer usually borrows liability from the truck; an ATV ridden only on your own land may need none. Each page sets out why.

1RV and trailer types 6
2Powersports types 4
3Coverage lines explained 14
4State pages 51

RVs and trailers

Vehicle	Lines	The deciding question
Class A motorhome	10	A bus-sized motorhome is a vehicle and a home at once; the policy has to cover both roles, and a breakdown far from home is expensive.
Class B camper van	8	Built on a van chassis and driven daily by many owners, a Class B is closest to an auto policy with RV contents and campsite cover added.
Class C motorhome	9	A cutaway truck chassis with a cab-over bunk: rental fleets favour them, so check whether a policy covers renting it out.
Travel trailer	6	A towable has no engine, so liability on the road usually comes from the tow vehicle's auto policy; the trailer's own policy covers physical damage and contents.
Fifth-wheel trailer	7	The large towable many full-timers live in; full-timer liability and contents limits matter as much as the trailer itself.
Toy hauler	6	A trailer with a garage for bikes and ATVs: the cargo inside needs its own policies, which the trailer policy will not cover.

Motorcycles and powersports

Vehicle	Lines	The deciding question
Motorcycle	7	Two wheels and no crumple zone: injuries, not property damage, drive motorcycle claims, which is why UM/UIM and medical payments matter more than on a car.
ATV / UTV	6	Mostly ridden off-road, where an auto policy does not reach and a homeowners policy often excludes motorised vehicles off the premises.
Snowmobile	5	Seasonal by nature; a lay-up option keeps theft and fire cover through the summer at little cost.
Scooter / moped	5	Whether a small scooter needs registration and insurance depends on engine size and state; when it does, the injury exposure is the motorcycle's.

Which line goes with which vehicle

Coverage	1	2	3	4	5	6	7	8	9	10
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		●	●	●	●	●	●
Emergency expense		●	●	●	●	●	●
Roadside assistance and towing		●	●	●
Storage / lay-up option	●							●	●

Columns: 1 Motorcycle · 2 Class A motorhome · 3 Class B camper van · 4 Class C motorhome · 5 Travel trailer · 6 Fifth-wheel trailer · 7 Toy hauler · 8 ATV / UTV · 9 Snowmobile · 10 Scooter / moped. ● = part of the default checklist; usage (financed, full-time, stored, custom parts) adds lines in the tool.