Getting Started With RV Insurance
An RV is a unique vehicle, and correspondingly, RV insurance has unique requirements. Your regular auto insurance policy will probably cover many different scenarios, but not those that are unusual for a car but typical for an RV. For example, if your RV is damaged in an accident while you’re traveling, you’ll need more than another vehicle — you’ll also need a place to stay.
Different Needs, Different Policies
When you’re shopping for RV insurance, you should be thinking about how you really use your vehicle. Some people leave their RVs parked most of the year; those folks won’t need the same kind of insurance for their RVs that those using their vehicles more often will require. There are also many people who live in their RVs full time. They might need a policy that’s closer to the kind of coverage they’d need on their homes. And, if they’re traveling as well as parking, they’ll need vehicular insurance too. The issue can get complicated pretty quickly.
What Does RV Insurance Cover?
RV insurance may be available for several different varieties of recreational vehicles:
- Motor homes
- Fifth wheels
- Travel trailers
- Motor coaches
- Camper vans
Some insurance policies may also cover the additional vehicle you tow behind your RV as you travel the country. Your policies may cover just the vehicle, or some of the belongings within the vehicle. The surrounding area where you’ve parked and medical claims may also be covered.
Policies for an RV can be purchased as an add-on to your regular auto insurance. However, rather than adding an RV onto that policy, you may instead want to consider getting dedicated coverage specifically intended for the particular needs of RV owners. An RV policy will often cover items you wouldn’t normally keep in your car, such as electronic equipment, outdoor or camping gear, or jewelry. Those who park and camp in their RV may also be liable for any injuries that may be sustained on their lots.
Like cars, insurance for RVs offers two basic levels to choose from: liability or comprehensive. Depending on the insurance company, additional packages and protection may be added on as well to customize the package. These could include roadside assistance, vacation liability, coverage for your pet, medical payments, replacement costs for personal items within the vehicle, and many others. Most companies will offer a “fulltimers” package for those who live in their RVs permanently and include several of these add-ons at once.
Finally, there are multiple discounts that may be applied to your policy. Some companies may offer a rate break if there has only been one owner of the vehicle. Other common discounts are often applied in the case of policy renewal, paying your full policy in advance or making all monthly payments on time. Most drivers with a clean driving record will also receive a discount. There should be enough discounts and different packages available to find an RV insurance quote affordable enough for a wide range of budgets.