RV insurance is essential because it provides financial protection in case of accidents, theft, or unexpected damage. RVs, whether used for recreational trips or as a primary residence, are a significant investment, and repairs can be costly. Insurance covers not only the vehicle but also the valuable belongings inside, providing peace of mind during travels. Additionally, RV insurance often includes liability coverage, which protects against lawsuits or medical expenses if you’re involved in an accident that injures others or damages property. This coverage ensures that you’re protected from significant financial losses and can enjoy your travels worry-free.