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you need RV insurance

Protecting Your Motorhome, Travel Trailer, Camper, Fifth Wheel or Pop Up

The RV lifestyle is all about leaving your worries behind. Wherever you go, you know you can count on comfortable accommodations. If you really want to travel without care, you need RV insurance that protects you from loss in the case of accidents, theft, and mishaps.

Vehicles you can insure include your Motorhome, Travel Trailer, Truck Camper, Fifth Wheel and Pop Up. Like an auto insurance policy, your RV insurance will cover the automotive parts of your vehicle, like the engine and tires. It will also include protections for your personal belongings, like a homeowner’s policy.

When you have insurance, if you damage your vehicle or you’re responsible for someone else’s damages or injuries, you’ll file a claim with your insurer. As long as your claim qualifies, your insurer will cover the associated losses up to your coverage limits.

Are you required to have RV insurance?

If you drive your RV like a car, you’ll need at least minimum liability insurance. Bodily injury and property damage liability cover the costs of damage or injuries you might cause while driving your RV. This includes legal fees. Uninsured and underinsured property damage and bodily injury cover costs for damage caused by a driver who hits your RV and who doesn’t have insurance, or doesn’t have enough insurance to cover the damage. Medical payments coverage will take care of medical bills for you and your passengers if you’re in an accident, regardless of fault.

Laws can vary by state when it comes to towed RVs, like travel trailers. You may not need insurance if you tow your RV unless you are borrowing money to buy it.  When you get a loan to buy an RV, whether you drive it or tow it, the lender usually requires you to get full coverage insurance. That means you will be required to have both comprehensive and collision coverage.

Collision pays for the damage to your vehicle when it hits another object. That might be another car, a guard rail or a pole, for example. It will cover the costs of the repair minus your deductible. Comprehensive takes care of the unexpected expenses like a broken windshield, fire or theft of the vehicle. A deductible will apply. In both cases, a higher deductible should lower the cost of the policy.

Don’t Settle for Auto insurance

You may be able to get a traditional auto insurance policy for a motorhome. But an auto insurance policy will not fully protect your RV. It’s going to cover the parts of your RV that are like a vehicle. It will most likely not cover the extra parts of the RV that make it more like a home, for example, the kitchen or bathroom. To make sure you’re fully covered, you want to talk with an agent who specializes in RV insurance and is familiar with special RV coverages.

Some of the special coverages available for an RV include:

  • Replacement of Personal Items – Covers personal property like laptops, TVs, and dishware.
  • Emergency Vacation Expenses – Takes care of unexpected expenses such as a rental car or hotel if your RV is damaged while you’re on vacation.
  • Liability for your Campsite – Like homeowner’s liability, you’re protected if others are injured in your campsite or RV.
  • 24-Hour Towing and Roadside Assistance – Designed for the special needs of RVs.

How much insurance do I need?

Design your insurance policy to fit your RV lifestyle. Discuss the ways you use your RV with your insurance agent. Consider how you can eliminate any concerns that might weigh on you while you should be having fun.

Insurance can minimize the negative effects of an accident or mishap by helping you quickly take care of the related costs. If something goes wrong, RV insurance can help you recover and get back on the road. Take the worry out of travel and enjoy your RV adventures even more!

How do I get insurance?

An insurance agent who specializes in RV insurance can tell you exactly what type of coverage is available to you and help you adjust costs and coverage to fit your budget. American Adventure represents several A+-rated insurance providers. Our agents are ready to shop for you. Their goal is to find not only the coverage you want but the best price for your chosen coverage. Get covered in minutes!

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2 comments
  • Lyla Peterson
    Posted on October 28, 2019 at 10:37 am

    I’m glad to hear that RV insurance can cover the cost of personal items in addition to the vehicle parts of the RV. My husband and I just bought an RV and are planning to do some traveling in the spring. I will definitely start shopping for an RV insurance policy before then. http://www.millers-rv.com

    • Patti Jagger
      Posted on October 28, 2019 at 11:47 am

      Congrats on the purchase of your RV! Our experts would be more than happy to discuss your insurance options when you’re ready. You can submit a quote request form or give us a call (888-930-3680). In the meantime, subscribe to our blog to get lots of helpful information about the #RVLifestyle right in your email inbox. And please continue to share your thoughts and comments.

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