Whether you live in a recreational vehicle (RV) or use one to vacation, you should secure RV insurance to protect yourself and your motorhome. A recreational vehicles policy will help cover the cost of the damages and injuries you cause to another person or their property while operating your RV, as well as the damages to your motorhome and your medical expenses resulting from a claim if you have purchased a full-coverage policy. Having the right coverage can save you from a financial headache after an incident. A-MAX understands this and can help you find the right coverage to fit your budget with just a few clicks. Contact us today for a free quote!

What is RV Insurance?

RV insurance coverage is a contract between an RV owner and an insurance company that provides financial protection to the operator in case of an incident in which the motorhome is damaged and if they injure others or damage their property while operating the RV. The RV owner pays an agreed-upon premium to their insurance carrier so that the carrier will respond after a loss involving the insured vehicle and will pay certain expenses based on the coverages you select on the policy.

An RV is motorized and self-powered, unlike a travel trailer or camper, or any other vehicle that is not self-propelled or doesn't have its own engine. While your auto policy may cover these types of vehicles, you must purchase a separate motorhome insurance policy if you own an RV. Be sure to consult with your insurance agent or insurance company to find out if you need a separate insurance policy for your motor home.

Do I Have to Insure my RV?

Most states require that RV owners carry liability insurance on their motorhomes. This provides financial protection in case you injure someone or their property while driving the RV. Every state has its own minimum coverage requirement for RVs. You must check your state's insurance laws to find out what type of RV insurance you must carry to drive it legally.

Though it may be tempting to purchase just the minimum coverage required by your state, remember that an RV is a large vehicle and can do a lot of damage if it collides with something. Consider purchasing as much coverage as you can afford to protect yourself in the event of a serious accident while driving your motorhome. Additionally, the coverages required by your state do not protect your RV. To ensure that you have coverage to repair or replace your motorhome after a loss, you will need to purchase physical damage coverage on the vehicle as well, which includes comprehensive and collision coverage.

RV Insurance Coverages

Like auto insurance, there are required coverages that RV owners must carry as well as additional coverages and endorsements that you can purchase to provide more comprehensive coverage. The coverages on an RV insurance policy include:

• Bodily Injury Liability Protection: This coverage will pay for the injuries you cause to another driver and their passengers or a pedestrian up to the policy limit.

• Property Damage Liability Protection: This covers the damages you cause to another person's property up to the policy limit.

• Physical Damage Protection: If your RV is damaged in an accident, or stolen, vandalized, or damaged by fire or weather, the collision and comprehensive coverages on your policy will pay to repair or replace your vehicle if you have elected to carry these coverages. Each of these coverages has a deductible that you will need to be prepared to pay out-of-pocket before your insurance company responds to the claim.

• Medical Expenses: If you elect to carry medical payments coverage on your policy, your insurer will pay for your and your passengers' medical bills from the accident up to the policy limit.

• Emergency Expense Coverage: This coverage will provide towing as well as basic repairs like delivery of fuel if you're stranded, or assistance with a flat tire or dead battery.

• Personal Property Coverage: Some RV insurance carriers offer coverage for your personal belongings, which will cover these items if they are damaged, destroyed, or stolen during a loss.

• Permanent Attachments Coverage: You can purchase this extra protection for permanent attachments you have installed on your RV.

• Vacation Liability Coverage: This coverage will provide additional liability coverage while your RV is parked at a campground or trailer park while you are on vacation.

Benefits of RV Insurance

Financial Protection: RV coverage protects your assets in an accident in which you hurt someone else or damage their property while driving your RV. It can also provide you with the money you need to fix your vehicle when it has been damaged if you elect to carry physical damage protection on your motorhome.

Peace of Mind: When you purchase RV insurance, you can rest easy knowing that you're covered in case of unexpected events.

Potential Discounts: Many insurance providers offer multi-policy discounts if you bundle your RV insurance with an auto, homeowner's, or renter's insurance policy. In addition, you may qualify for additional discounts that will make your RV insurance more affordable and attainable.

Protection Against Fines and Penalties: Because most states require that a driver carries at least a minimum-required amount of bodily injury liability and property damage liability coverage, you can drive safely on the roads knowing that you are adhering to your state's laws. Driving without RV insurance can result in steep fines and penalties in all states.

Eligibility Requirements

You will need to provide the following information to get a quote that suits your budget and provides the protection you need for yourself and your RV on your policy:

Personal Information: You'll need to provide details such as your full name, address, date of birth, and driver's license number as well as the names, dates of birth, and driver's license numbers of any other drivers in the household or who have access to your RV. You will also need to specify if you have been required to carry an SR-22, or financial responsibility filing, by a court or your state.

Driving Record Details: When applying for a new RV insurance quote, you will need to disclose the dates, details of what happened, and the amount paid for any accident that you or any of the drivers that will be on the policy have had in the last five years. You will also need to disclose any moving violations the drivers have had in the last five years.

Vehicle Information: You will need to provide the year, make, model, and vehicle identification number for your RV as well as the way that you use the motorhome.

Coverage Preferences: If you already have an active RV insurance policy, you can refer to the current coverages on your policy to get an "apples-to-apples" quote and select higher or lower limits based on what you're looking for. If you do not have RV insurance, you should have an idea of how much liability coverage you need or want, the deductibles you will be comfortable paying out-of-pocket for physical damage on your vehicle, and elect any optional coverages you may want or need.