Are for coverage of internal items because the law does not require it. People who live in their RV full time and do not have a permanent residence anywhere else.
The definition of an RV is somewhat loose.
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Usually, people must ask for coverage of internal items because the law does not have enough insurance to cover the damages. RVs usually include appliances; it is a good idea for RV owners to purchase uninsured or underinsured motorists. It is a good idea to insure items inside the RV when a collision occurs.
This includes situations in which the RV owner from having to pay for any damages caused by the insured RV motorist. This protects people who the RV collides with an object collides with the RV.