This is truly a vital type of insurance because if you own a recreational vehicle you are likely to be out on the road with it, traveling through different areas—often different states. Your recreational vehicle needs to be insured just as much as your daily driver does—and because your monetary investment in the RV is so substantial you need to be certain you won't lose that large investment if disaster strikes. RV coverage can be arranged through your independent agency, and is often merged with your current auto policy. This will sometimes yield you a substantial policy discount, as well.