RV insurance: Don’t hit the road without knowing these facts

By Higginbotham on July 19 , 2016


Exploring the country in an RV is one of the most popular ways to get away from it all. Before you set out on your road trip, remember there’s one thing you should never leave behind: the right insurance. It can keep your dream vacation from turning into a very expensive nightmare. An RV is a huge investment, and a large vehicle that can cause serious injuries and damage to other vehicles and property. So whether you already own an RV, motorhome or fifth wheel, or are planning to buy, rent or lease one, make sure you have adequate financial protection.

What kind of coverage do you need?

RV insurance covers many of the same things your auto insurance does including collision, comprehensive and liability coverage, with a minimum amount of liability insurance required by law in every state. Basic coverages include:

  • Bodily Injury Liability – covers you if you’re at fault for an accident that injures your passengers or any third party
  • Property Damage Liability – covers you for damage occurring to a third party’s property due to an accident involving your RV
  • Collision – protects you if your RV is damaged
  • Comprehensive – covers damage sustained in an event other than a collision such as fire, vandalism, or theft

Additional coverage options can include:

  • Uninsured and underinsured motorist coverage
  • Total loss replacement coverage
  • Campsite and vacation coverage
  • Emergency expenses
  • Towing and roadside coverage
  • Personal Belongings on board, as well as equipment and attached accessories such as awnings and satellite dishes
  • Full-timer coverage if your RV is your full time residence

How much coverage do you need?

That depends on several things, such as:

  • The requirements of your resident state
  • The class of motorhome you own
  • Where you plan to travel and whether you’ll be crossing state and/or international borders
  • Whether you’re taking a weekend trip or living in the RV full time
  • Whether you have custom features on your motorhome that raise its net worth and can be costly to repair
  • The amount of assets you want to protect in the event of a liability claim or lawsuit

Which factors determine how much you’ll pay?

How much you’ll pay for RV insurance depends on:

  • Whether your RV is a Class A, B or C. Class A is the most expensive coverage and Class B is the least expensive.
  • Whether you use the RV occasionally or live in it full time
  • Your driving history and record of accidents or past claims
  • The limits and deductibles you set on your policy
  • Any additional riders or added coverage such as coverage for personal belongings, towing and roadside assistance, etc.

The first and most important decision you’ll make about RV insurance? Where to buy it!

Any major auto insurance company can sell you a policy to cover your RV. But be aware – there are many things a standard auto insurance policy likely won’t cover:

  • Personal possessions inside your RV such as clothing, dishes, jewelry and firearms
  • Liability issues such as your child throwing a rock through the window of another RV in a campground, or you backing over something at a campground and damaging someone else’s property
  • Personal injury claims such as someone being bitten by your dog or a visitor to your RV tripping and falling as they enter or exit
  • Full replacement cost of your RV

To be fully protected, you need specialized coverage designed for RVs from an expert who knows the difference. Ready to protect your summer vacation? Give Higginbotham Insurance a call today.

Related: Five tips for summer road trip safety


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