While your standard car insurance policy may extend to recreational vehicles, it is best to have RV insurance to help protect you from the specific risks you face with your recreational vehicle or travel trailer.
When buying RV insurance, you need to consider a few things. Namely, you will need to consider what type of vehicle you want to insure. Most auto insurance companies offer RV insurance to cover motorhomes and travel trailers.
Motorhomes are vehicles that have living quarters permanently attached to the vehicle.
To qualify for RV insurance, most providers require that the following be permanently attached:
- Cooking appliances.
- Heating and/or air conditioning.
- Drinkable water supply system.
- 110 – 125 volt electrical system.
A branch of RV insurance is meant to cover travel trailers and campers. Travel trailers and campers are non-motorized and are typically:
- Towed by a motor vehicle.
- Used for camping.
To qualify for travel trailer insurance, providers usually require the following to be permanently attached to the trailer:
- Cooking facility.
- Sleeping area.
As with standard car insurance, RV insurance is made up of several types of coverages to help protect you from different risks and situations.
Many of these coverage types are optional, allowing you to work with your insurance agent to customize your RV insurance policy to fit your needs.
RV coverage types that you can choose from typically include:
- Liability insurance – This will help protect you against costs associated with bodily injury and property damages suffered by others in an accident you caused.
- Most states require liability insurance for all registered vehicles.
- Comprehensive – This coverage will help with costs if your RV is damaged due to most non-collision related incidents.
- Examples of covered incidents include fire and theft.
- Collision – If your RV is damaged in a collision, this coverage will help with repairs or replacement of your RV.
- Vacation liability – Like standard RV liability insurance, this will help with costs of others’ injuries or property damage. However, this coverage is meant to cover you only when someone is hurt or their property is damaged due to your RV being used for vacation purposes, as opposed to operation on the road.
- Roadside assistance – Things go wrong. This coverage can help you get back on the road when your RV is suffering mechanical issues.
Purchasing RV Insurance
Recreational vehicles tend to be extremely valuable, meaning that you can stand to lose quite a bit financially if something happened to your vehicle.
It is smart to buy the best protection you possibly can at the best price you can get.
Most RV insurance companies allow you to get RV insurance quotes online. As with any type of auto insurance, it is smart to compare at least 3 quotes; doing so will allow you to get the best policy at the best price.
Remember, it is always best to plan ahead. Don’t rely on your auto insurance to cover your recreational vehicle. If you don’t plan ahead, you might find that you actually don’t have the extent of coverage that you thought you did. Ask your car insurance agent about how to effectively insure your RV.
Amanda Lautieri Limited Lines Auto Agent