RV Insurance – Coverage Insights
When embarking on a road trip, a detail that often gets overlooked is your insurance coverage. If you have your own RV, camper, or motorhome, or if you are going to be renting one, you want to make sure that you have the right kind of insurance to protect this vehicle against the accidents that could happen while you’re on your trip. From flat tires to roadside assistance, major damage to other unforeseen incidents, having RV insurance coverage could make your road trip go that much more smoothly.
RV insurance is a necessary protection for anyone taking a road trip, short or long. Some car insurance policies can cover RVs and other recreational vehicles, like ATVs, but it is beneficial to see how specific RV insurance could offer you additional protection.
Basic RV Insurance
Don’t rely on your car insurance policy to cover your RV; this is a different vehicle with unique features and functions. RVs are bigger and are meant to be lived in, for short or long periods of time. RVs are larger than regular cars or trucks and provide a new driving experience while you’re on the road.
RV insurance is designed to protect these large, often very expensive, vehicles. Some people choose to tow their car, an ATV, or an additional trailer behind the RV or travel trailer, which increases the value of the items you have on the road.
RV insurance can also help cover the items you have stored inside your RV. Additionally, an RV insurance policy can help you call a tow truck and receive roadside assistance in case of an emergency or breakdown.
Kinds of RVs and RV Insurance
RVs, or recreational vehicles, can be classified as a motorhome or a travel trailer/camper. Motorhomes are vehicles that have the living quarters permanently attached, while campers or travel trailers are towed independently from another vehicle.
RV insurance is contingent on a few factors. If you have a motorhome, certain aspects of the motorhome have to be permanently attached to the structure in order to qualify for RV insurance. These things include:
- Cooking appliances
- Heating and air conditioning systems
- Drinking water supply
- Electrical system
For non-motorized travel trailers and campers, the following aspects of the vehicle need to be permanently attached:
- Cooking facilities
- Sleeping area
RV Insurance Coverages
RV insurance coverages are optional, but can help fill in the coverage gaps you may have on your RV. Coverage types typically include:
Liability insurance, which protects you against bodily injury or property damage in an accident caused by you. Liability insurance is required for all registered vehicles in most states.
Comprehensive insurance coverage can help with the financial costs if the RV is damaged due to a different, non-collision related incident. Fire and theft of the RV or items in the RV could fall under a comprehensive insurance plan.
Collision insurance covers damage to an RV that occur from a collision. This can help with the financial cost or replacing or repairing your RV.
Vacation liability is an optional insurance policy that helps cover the cost of injuries that occur to other people or property. This is different than standard RV insurance, because it is meant to be used while the RV is being used for vacationing purposes, and not for everyday operation on the road.
Roadside assistance is the final insurance policy that can help you on your next RV road trip. If your RV breaks down or suffers other mechanical issues while you’re out and about, roadside assistance can help you get back on the road safely.
These RV insurance coverages are optional, which means you can customize your insurance policy to protect the things you need most on your next RV road trip.
Car Insurance and RV Insurance
Car insurance and RV insurance aren’t the same, but they can complement each other. Some car insurance policies will cover RVs, but you will want to make sure that there aren’t any coverage gaps for your RV. This is where additional, optional coverages like collision insurance or vacation liability come into play.
Specialized RV insurance can assist with covering emergency expenses associated with your RV, total-loss replacement, campsite liability, tow-truck coverage, and more that isn’t applicable to a typical car or truck. Having an RV insurance policy for your next road trip can add another layer of essential protection, giving you peace of mind on the road and off.
We’re Here to Help
Call our office at (850) 942-7760 to learn more about our car and RV insurance options.
Demont Insurance Agency, Inc. The Insurance You Need, The Assurance You Deserve.