RV Insurance FAQs

To find the best RV insurance rates, customize your RV insurance policy and research a few ways to lower your insurance rates possibly. You should consider storing your RV in a safe and secure location and decide how you will use your RV, change your insurance deductible, and more according to time and need.

Did you know that all states in the U.S.A, except New Hampshire and Virginia, require RV insurance according to the government? You will have to pay an uninsured motor vehicle fee even in such locations. You must have general liability insurance everywhere else, and in no-fault areas, you must also have personal injury protection. In these states, the RV insurance costs range from $800 to $2,000 each.

RV insurance rates can be different according to the state you live in, the weather conditions in the area, the number of crime rates, and other factors like the population density that play a role in the number of motor vehicle accidents. If most of these factors are considered high risk, your RV insurance will be expensive in the particular state.

Exclusions could apply, but comprehensive RV insurance packages can shield your RV against water damage. However, note that defects, water leaks, and general wear & tear are typically not covered, although each policy can be unique. Before enrolling in an RV insurance policy, talk with your agent about what is and isn’t covered.

If you buy RV insurance, you can kick back and relax knowing you’re protected in the case of an accident. Even if it may not be required by your state or lender, insuring your RV or camper is a great idea, significantly if you’ve invested a good chunk of change.

If you have a loan from a bank for your RV, the bank mandatorily needs this insurance coverage. You will be required to choose a deductible amount for this coverage. Your deductible amount can range from $100 up to $2,500.

Since motorhomes are not used the same way as cars, you must purchase specialized insurance for your motorhome or RV. Because your motorhome is like a small house, so you will need different coverage than you do for your car.

Yes, it’s covered. The coverage is called personal effects coverage, and some carriers include up to $3,000 in personal effects coverage at no charge, provided comprehensive coverage is purchased. You will always have the option to buy additional personal effects coverage to meet your needs. Personal effects coverage protects non-permanently attached assets within an RV like jewelry, personal electronics, clothing, etc.

Ideal RV insurance companies allow you to customize your coverage to suit your requirements. Some of the best RV insurance coverage options like:

• Collision
• Liability
• Total loss replacement
• Emergency expenses (lodging, food, rental)
• Uninsured motorist coverage
• Towing
• Full-time coverage (suitable for your RV that is also your full-time home
• Vacation liability coverage
• Pet injury
• Coverage while RV is in storage
• Loss or damage of personal effects inside or related to the RV

Full-time RV insurance is for people who spend most of the year or live in their RV full-time. This offers superior personal liability and medical event coverage and is comparable to homeowner’s insurance. Overall, this will cause the cost of the coverage to double.

Some insurance companies will provide you with the choice of storing your RV. This enables you to keep the remainder of your coverage in place while suspending collision and liability coverage. When your RV is off the road for several months at a time, this is a fantastic method to save money.

Although you can do this, it’s not always the best option, and we would not recommend you to do it as well. If you cancel coverage on your RV when you’re not using it, the RV will have no coverage for anything that may happen to it while in storage. It may be interesting to try and save a few dollars, but unexpected disasters like fires, floods, and theft can put you at an unwanted risk if you have canceled your coverage during the off-season.

Many carriers have options for lower limits of coverage specifically designed for the off-season. The best alternative we can suggest to you is to lower your coverage during those months rather than canceling the policy. This option would allow you to keep the coverage you need while not using the RV but temporarily remove any coverage you don’t need during the off-season.