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What does the RV insurance cover?
Most RV policies offer full coverage. This covers your RV no matter what happens and whose fault it is. A good policy will also offer total replacement for a new RV (less than 5 years old and with the original owner) that is totaled, or for a used RV (or one that is older than 5 years) you will get the purchase price back as a settlement in the event your RV is totaled.