Does RV Insurance Cover Roadside Assistance and Towing?

A breakdown on the side of a highway is stressful enough without the added weight of unexpected costs. For recreational vehicle (RV) owners, a tow can run hundreds of dollars, and that expense hits harder when you have no coverage to fall back on. Understanding what your RV insurance includes, and what it leaves out, can save you from a costly surprise.

What Is Typically Included in RV Insurance?

Standard RV insurance policies generally cover liability, collision and physical damage, and personal property inside the vehicle. What many owners discover too late is that roadside assistance and towing are not automatically bundled into a basic policy. They are typically offered as optional add-ons, which means you need to request them specifically when building your coverage.

Optional coverages worth asking about include:

• Roadside assistance for mechanical breakdowns or flat tires
• Towing reimbursement up to your policy limits
• Emergency expense coverage if you are stranded away from home
• Vacation liability for incidents at a campsite

Do You Need Roadside Assistance and Towing Coverage?

If you travel frequently or take long trips, the answer is almost certainly yes. RVs are large, complex vehicles, and mechanical issues are more common than most owners anticipate. A single tow for a large motorhome can cost a significant amount, and standard auto clubs may not cover vehicles of that size or weight class. Adding roadside assistance to your RV policy may close that gap at a fraction of the potential out-of-pocket cost.

Learn More

Contact Contigo Insurance Agency today to go over your current policy, explore available add-ons and secure optimal RV coverage. Our team proudly serves clients in Palatine, IL.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.