It is essential to get adequate RV insurance coverage before you hit the road. A little research can help you to get the right coverage at a competitive price. Once you have decided on the type of coverage you need, shop around to get a better deal.
Recreational vehicle coverage can pay for damage caused to your vehicle by a collision or other reasons, like fire, theft, storms, and vandalism. Liability coverage pays for injuries and property damage, legal defense costs, medical payments, first aid costs, towing costs, etc.
How much RV insurance do I need?
The amount of coverage you need depends on several factors, like the type and size of your recreational vehicle and the requirements in the state where it is registered. If you have a financed or leased vehicle, you will be required to have a certain minimum amount of coverage. Get free, no-obligation RV insurance quotes from the top insurers now.
Can I cover the full replacement cost of my RV?
You can opt to cover the full replacement cost of your recreational vehicle. If it is stolen and never recovered, or if it is involved in an accident and totaled, your coverage can replace it with a similar new vehicle even if you are not the original owner. After 5 years, you may get the original purchase price in full without deducting any depreciation.
What are my options if I only use my RV for part of the year?
If you are not planning to use your RV throughout the year, you can suspend the coverage that is not needed while it is in storage. This can help you to save as much as ½ your premium. Risks like theft, fire, and storm damage can still be covered while your RV is in storage. You can commence the full coverage before you hit the road again.
What if I live in my RV full-time?
If you live in your recreational vehicle full-time, throughout the year or for part of the year, you need to buy the type of coverage that is provided by a homeowner’s policy. Besides coverage for your vehicle, you also need to cover the contents of your mobile home. Extra coverage may be needed if you have expensive items, like appliances, jewelry, and computers.
Shop around to get a better deal
Compare quotes obtained from mainstream insurers as well as specialty insurers. A variety of coverage options and discounts are offered by different insurers, which can help you to save on your premium. For example, you can get discounts if you have a good driving record, pay your premium in full, club coverage for your car and RV, are a homeowner, keep your RV in storage for part of the year, etc.
Compare quotes before you sign up. Read the fine print carefully and make sure that you are not compromising on essential coverage to get a lower premium. Read online reviews to check the ratings of the insurers. Get free, no-obligation RV camper insurance quotes from the top insurers now.