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.

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/