RV Insurance is intended to cover you and your motorhome from damage, accidents, and unforeseen events. Because of the unique nature of this motor vehicle, RVs require a unique type of insurance coverage.
What is RV Insurance?
RV Insurance is a specific type of insurance geared toward providing coverage on a vehicle classified as a motorhome or travel trailer, pop-up, or camper. There are different types of coverage depending on the use of the RV, like recreational use versus full-time living.These policies provide protection similar to car insurance but can extend beyond the usual property damage coverage.
What Does RV Insurance Cover?
RV Insurance is similar to car insurance in that it can protect you if you cause damage or injuries while operating your RV. It can also protect your RV from damages caused by accidents. There are additional coverages available for RVs, depending on the type of vehicle you have. For example, suppose you use your RV as a full-time home. In this case, your coverages may differ from someone who uses their RV recreationally or tows a pop-up camper.
Here are the most common coverages for RV Insurance:
Physical Damage Coverage: This covers your RV from physical damage like collisions, rocks, and vandalism
Bodily Injury and Property Damage Liability: This covers you financially for damages or injuries you may cause while operating your RV, including potential legal fees.
Uninsured/Underinsured Motorist Property Damage and Bodily Injury: If you are in an accident with someone who doesn’t have adequate insurance coverage, this will protect you financially from being responsible for paying out of pocket.
Medical Payments: You can decide on a covered amount for this, which covers medical bills resulting from injuries you or your family sustain in an accident.
Roof Protection: Many insurance providers offer RV Roof Protection as an add-on to your policy to help shield you from unexpected roof repair costs from an unforeseen event.
Pest Protection: Some insurance providers will offer additional coverage to protect you from damage that may happen due to rodents, insects, and birds.
How does RV Insurance cover Roof Damage?
When an RV roof is damaged, it’s essential to identify the source of the damage and review your coverage details. Not all damage types are covered, nor are they covered in the same way. For instance, if your RV roof is damaged in a collision with another vehicle, your insurance will need to determine the fault. If the other driver is at fault, their liability insurance (mandatory in most states) should cover the repair costs for your RV. RV insurance policies typically also include collision coverage, which covers damage to your vehicle from a collision, regardless of who is at fault. This coverage can help bridge the gap if the other driver’s liability coverage falls short or if you’re responsible for the accident.
Will my RV Insurance Be Covered If There Is A Leak In My Roof?
Whether your RV insurance covers a roof leak depends on the cause of the leak and the specifics of your insurance coverage.
Accidental Damage: If the leak results from an accident or severe weather, your insurance may cover repair expenses. For instance, if a tree falls & damages your RV’s roof, causing a hole to be created in your roof, your insurance might cover the resulting water damage. You may need to provide photos to confirm that the accident caused the damage.
Comprehensive Insurance: With comprehensive insurance, water damage outside of your control might be covered, though not all policies include this. It’s important to work with our brokers so we can assist you and get the coverage you need.
Is The Insurance Coverage For A Traditional Motorhome The Same As A Pull-Behind Camper?
In most cases, the coverage is similar for both traditional motorhomes and pull-behind campers. However, the key distinction is traditional motorhomes always need a separate insurance policy.
Pull-behind campers, on the other hand, can often be added to your existing auto insurance policy. If you own a pull-behind camper, your insurance agent can guide you in choosing the best coverage for your recreational vehicle. Our team is always here to answer any questions you have regarding your RV insurance policy and the coverage that will take place.
Do I Need RV Insurance?
Yes, you will need some insurance for your RV, specifically bodily injury and property damage liability (similar to car insurance requirements.)
How Much is RV Insurance?
The cost of your RV insurance will depend on a few factors. Here are some things that can impact the cost of your RV insurance:
- Full or part-time use
- Type of RV (trailer vs. motorhome)
- Additional Coverage Selections
- Cost of RV
- Driver history
If you need help determining your desired level of coverage, then reach out to one of our insurance agents today so we can answer your questions!
How Can I Get RV Insurance?
The best way to get comprehensive RV insurance is by contacting us today. First, we will ask you a few questions about your RV and how it’s used, and then we’ll be able to get you an insurance quote so you can get out on your next adventure!
Source for RV Insurance Coverage: https://www.progressive.com/answers/rv-101/
