What car insurance do I need for an RV?
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UPDATED: Mar 13, 2020
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Recreation vehicles, or RVs, are popular types of vehicles used by people who want to camp in style. RVs can be self-driven or pulled behind cars, allowing RV owners to go literally anywhere with these giant campers and enjoy all of the great outdoors. If you own an RV, you certainly have hours of enjoyment ahead of you; do not let that enjoyment be marred by not carrying the right type of insurance for your vehicle.
When you are insuring an RV, you need particular types of insurance which may not be available through other policies. It is wise to purchase separate coverage for your RV, and be sure that you add the necessary options to fully protect your vehicle and contents.
The main type of insurance you will need for your RV is liability insurance
Liability insurance protects you and your assets if you cause an accident. You can get liability in various amounts up to $500,000 with most companies; it is wise to talk to your agent about where you plan to travel to determine liability minimums in the states you visit. You can also purchase “vacation liability” which gives you a certain amount of coverage for a limited time. Generally cheaper than a regular liability policy, this coverage is useful if you only use your RV during seasonal travel.
RV Collision Coverage
This insurance will repair or replace your RV if it is damaged in an accident which you cause. This coverage can be very inexpensive and save you thousands of dollars in repair bills.
RV Uninsured Motorist Coverage
This policy protects you if damage is caused to your RV in a wreck with a motorist who is not insured. In most cases, uninsured motorists cannot pay for your damage themselves, so it is wise to purchase this coverage.
Supplemental RV Insurance Coverage
There are several types of coverage which may also be added to your basic RV policy which are very useful and can save you a great deal of money, depending on what happens on your vacation. One type of coverage is theft protection. Many people live in their RVs for extended periods of time; theft protection replaces your personal items if your RV is burglarized. Some items, such as satellite dishes, may not be covered, so be sure to read your policy carefully.
Towing can be very expensive if your RV breaks down, so a towing policy may also be a good investment. Before you purchase towing coverage, however, be sure you are not already covered for towing through another group, such as AAA or your RV club. You can also purchase emergency insurance which will provide funds for quick repairs if you break down on the road.
Guaranteed total loss replacement is an addendum to your collision or liability policy which ensures that you will have your vehicle replaced, not simply paid off at book value, if it is totaled. Given the rapid depreciation of most RVs, this can be a good idea.
Where can I buy RV car insurance?
You can find RV insurance from several types of agencies. Some, such as Good Sam, are spinoffs from RV-related industries, such as parks, which offer only RV insurance. RV clubs may also offer insurance policies at low prices, along with organizations such as AARP. Many AAA clubs offer RV insurance as well as other types of automobile insurance at reasonable rates.
However, if you are interested in competitive quotes for your RV insurance, the search process is the same as for automobile insurance. You should visit a website which will allow you to compile a number of quotes from various companies, which you can then compare in price and features. Likely you will receive quite a few different types of insurance policies in your quotes, with various features, so it is important to compare them side-by-side before you make a choice.