We’ll Help You Find the Best RV Insurance

We’ll Help You Find the Best RV Insurance 

What is RV Insurance?

Simply put, it’s protection from being stuck with massive out of pocket costs after certain unexpected, and covered, circumstances like road accidents, theft, and natural disasters. 

There are a number of different types of RVs, including motorhomes and campers, with different coverage needs and laws for each. To find the right insurance protection, contact us today. We can help you compare several different RV insurance quotes and find the right coverage for your needs.

What does RV Insurance Cover?

RV insurance covers many of the similar risks that your standard auto insurance does, like collision, comprehensive, and liability coverage. However, since RVs are also used as a residence-on-the-road, you can get additional protection for your personal belongings on board, equipment, and even attached accessories like awnings and satellite dishes. 

When you work with an independent insurance agent, they can help you identify your own unique needs and get the coverage that’s best for you. 

Is RV Insurance Mandatory?

Like car insurance, RV insurance is required in every state. All states require a minimum amount of liability insurance; on top of that, some require uninsured and underinsured motorists coverage, as well. 

Collision and comprehensive insurance limits are determined by you, the policyholder. But before you go setting your coverage limits too low to minimize your premiums, consider how you’ll cover the costs of being in an accident without enough coverage.

Under the following circumstances, you will experience additional requirements:

  • If you rent an RV
  • If you live in your RV full time, you’ll need full-timers insurance which has some similarities to homeowners insurance
  • If you finance your RV, your lender will most likely require you to buy RV coverage before you can be approved

Does my Auto Insurance Cover RV Rentals?

Typically, yes, your existing car insurance coverage will extend on some level to an RV rental. Depending on your policy, though, it may only cover driving-related accidents like rear-ending another vehicle or running into a mailbox. In some instances, your full auto policy will extend to an RV rental including your liability, collision, and comprehensive coverage if you have it. 

Before you hit the road, though, you may want to learn more about how your car insurance covers a vacation rental here, or speak to your independent agent to find out if you need additional protection in any way.

How Much RV Insurance Do I Need? 

The RV insurance coverage you need depends on several factors, like:

  • State requirements
  • Motorhome Class
  • Travel plans and location
  • Part-time or full-time use
  • Motorhome features and amenities
  • Your budget

For help determining how much RV insurance you’ll need, contact an independent agent who can help you learn about the requirements in your state and the specific risks you may face.

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