RV Insurance Is Unique

An RV is a home on wheels. Specialized RV insurance is a unique blend of auto and homeowner’s insurance coverage, yet the price is typically comparable or less expensive than standard auto insurance. The extent of coverage is the major difference between a standard auto policy and an RV-specific policy.

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Additional Benefits To Specialized RV Insurance

Most RV specialty policies automatically cover items like awnings, antennas, external racks and satellite dishes for no additional charge. Additionally, tow dollies and trailers are often included in coverage.

Agreed Value Coverage Offered for classic coaches and bus conversion vehicles that don’t have a standard market value. With a bill of sale or qualified appraisal, you can lock in the coach’s value up front. This protects your investment in the RV without the worry of depreciation in the event of total loss.

Frequently Asked Questions About Recreational Vehicle Insurance

What is RV insurance?

Recreation Vehicles, or RV’s, include a wide range of motorhomes, camper vans, bus conversions, and travel trailers.

Can I get coverage for my personal belongings inside my RV?

Yes, it is called personal effects coverage. Most policies provide $3,000 at no additional charge. Coverage can be increased to protect clothing, tv’s, and other personal belongings stored in the RV.

Do I need travel trailer insurance?

Because you are not actually driving the travel trailer you are not required by law to carry coverage on a vehicle you tow. The liability is provided by the vehicle towing the traveling trailer. However, your trailer is a valuable asset and should carry comprehensive and collision coverage.

How can I save on my RV insurance?

By bundling your insurance with other products such as auto, home, and umbrella, completing an RV safety course, RV associations/clubs, and paying the premium in full for the year.

What is vacation liability?

This coverage provides liability protection on the premises while the RV is being used as a temporary residence. Most standard policies provide $10,000 – $500,000 in coverage for pleasure-use RV’s that carry both comprehensive and collision coverage.

Can I get roadside assistance for my RV?

Roadside assistance can be purchased on the RV policy to provide 24/7 emergency help. It can also provide trip interruption expenses that happen when you’re more than 50 miles from home.