My RV insurer (National Interstate) tells me that when we rent an RV site we become liable for any mishaps on the site similar to at our homes, e.g. If a visitor trips on the fire pit and cracks his skull. They have coverage called "vacation liability" for those issues. This got me thinking. When I rent a cabin in the mountains I expect the owner to carry the insurance. Why would RV sites be different? My homeowners insurance agent (State Farm) is not familiar with that concept and says it may be a secondary coverage with the owner carrying the primary. she is researching it because I asked for a quote on the RV coverage.Is this a real issue or is the insurance company intimidating me to double insure like they do for rental cars?

We are full timers and carry separate liability insurance in case any one has an accident on our site. People who sue would probably sue all parties including you and the campground owner. This way, we are protected and our policy is inexpensive.

You are possibly liable to the extent that you caused the occurrence either by neglect or action. ie: you leave your skateboard outside where someone trips on it, you put a tether line on your pet and someone trips over it, run an extension cord across the patio...... You get the idea. You are not responsible if someone falls on eneven ground in the campsite. However, what happens inside your RV is your responsibility which you are likely covered for under your RV policy. This is to the best of my understanding after my discussion with my insurance agent.

When we FTd we used National Interstate and had a 'home owners' policy plus truck/rv comp/collision/liabilityNow that we weekend camp.....just normal truck/rv comp/coll/liabilityNational Interstate Ins. caters to Full Timers and are giving you the opportunity to have FULL coverage........up-selling :B (would you like to make that a Large Sir?)We were very pleased with National Interstate...but sounds like they are marketing their services.

Does this also mean you can sue them for trespassing? Seems it should go both ways.

when you rent a motel room, are you liable for accidents in there?bumpy

Campsite Liability - insurance issues | Good Sam Community

30 Replies

B_s_Bunch
Explorer
Aug 04, 2015
Where we are at requires 300, 000.00 liability. We rent by the year. We have 1 million in coverage
bid_time
Nomad II
Aug 04, 2015
Bumpyroad wrote:
when you rent a motel room, are you liable for accidents in there?
bumpy
I can guarantee if an ember goes up off your campfire and burns your neighbors $500,000.00 Prevost to the ground your going to be sued. The judge will decide whether or not your liable and I don't think "renting" will be a factor in his decision. And I wouldn't be surprised if you got sued if you were smoking in bed and burnt the motel down.
et2
Explorer
Aug 03, 2015
Perfect reason for not liking strangers and kids using your campsite as a pathway. Now your liable for them tripping over your chairs or what ever else you leave out.
the_vfox
Explorer
Aug 03, 2015
Sounds like they are just trying to sell more insurance to you.
darsben
Explorer II
Aug 03, 2015
Terryallan wrote:
Does this also mean you can sue them for trespassing? Seems it should go both ways.

In your rig yes.
On the campsite NO
Bumpyroad
Explorer
Aug 03, 2015
when you rent a motel room, are you liable for accidents in there?
bumpy
Terryallan
Explorer II
Aug 03, 2015
Does this also mean you can sue them for trespassing? Seems it should go both ways.
Old-Biscuit
Explorer III
Aug 03, 2015
When we FTd we used National Interstate and had a 'home owners' policy plus truck/rv comp/collision/liability

Now that we weekend camp.....just normal truck/rv comp/coll/liability

National Interstate Ins. caters to Full Timers and are giving you the opportunity to have FULL coverage........up-selling :B (would you like to make that a Large Sir?)

We were very pleased with National Interstate...but sounds like they are marketing their services.
Anmacc2
Explorer
Aug 03, 2015
You are possibly liable to the extent that you caused the occurrence either by neglect or action. ie: you leave your skateboard outside where someone trips on it, you put a tether line on your pet and someone trips over it, run an extension cord across the patio...... You get the idea. You are not responsible if someone falls on eneven ground in the campsite. However, what happens inside your RV is your responsibility which you are likely covered for under your RV policy. This is to the best of my understanding after my discussion with my insurance agent.
jnharley
Explorer
Aug 03, 2015
We are full timers and carry separate liability insurance in case any one has an accident on our site. People who sue would probably sue all parties including you and the campground owner. This way, we are protected and our policy is inexpensive.

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Campsite Liability - insurance issues

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