Recreational insurance is coverage for your recreational vehicle that typically includes protection for injury or damage you cause and to the recreational vehicle itself. In addition, it can protect your financial well-being in the event of an accident. But is it required? Since recreational insurance includes several different options, the answer varies. So, let's look at them individually… RV Insurance Many states require that you carry underinsured or uninsured motorists' insurance for motorhomes. In addition, all states require you to have minimum liability coverage when the vehicle is being driven on the road. [...]