What is RV Insurance?

Easy Way to Find the Best RV Insurance

RVs, like any other type of vehicle, are not immune to accidents and damage. So, if you want to make sure that you and your mobile home are financially protected against any unfortunate event, finding proper RV insurance is a must.

Understand the basics of the best RV insurance policy and gain some insights to make the right decision while you find your RV insurance agent.

Is RV Insurance a Viable Choice for You?

Ever since their first introduction in 1915, RVs have been the vehicle of choice for groups and individuals planning a long-distance journey on the road. Think about the many times you’ve tossed and turned in bed, wondering whether you’ll be okay if your RV is totaled. Having the security of a RV insurance not only saves your bank account but also relieves your sleepless nights.

RV insurance protects you and financially covers your RV from any unexpected out-of-pocket costs in the event of an accident during such journies.

If you get into an accident and end up damaging your vehicle or someone else’s vehicle or property, you will file a claim with your carrier. As long as the specific peril is covered, your RV insurance will financially compensate you up to your coverage limit.

How Much Is RV Insurance Going to Cost You?

The exact cost of your RV insurance will vary widely based on which insurance company you get them from.

Generally, your RV insurance costs is dependent upon the class of the RV. The price range accodring to the classes are:

Class A: $1,000 to $1,300 annually
Class B: $500 to $1,000 annually
Class C: $800 to $1,000 annually

Furthermore, there are certain factors which can affect the cost of your RV insurance premiums as well.

RV Insurance Checklist

When you’re buying RV insurance, there are many things to keep note of. Having a checklist to help you keep track of these can be quite beneficial. It can include the following:

• Type of RV
• Age of The RV
• Your Driving History
• Location

What Coverages Are Included In Your RV Insurance?

In most states, carrying liability insurance is mandatory if you’re driving an RV. The state minimum is generally the same as car insurance. However, you may need additional coverage due to RVs being specialty vehicles.

In general, RV insurance includes the following:

• Bodily Injury Liability
• Property Damage Liability
• Collision Coverage
• Comprehensive Coverage
• Uninsured And Underinsured Motorists
• Medical Payments
• Roadside Assistance
• Safety Glass Replacement
• Awning Replacement
• Vacation Liability