Alaska is known as one of the most beautiful states in the nation. With over 600,000 miles of beautiful terrain, vacationers and RV'ers make Alaska one of the top choices for getaways. From winter sports like sled racing to whale watching, the state offers some incredible opportunities.
Alaska has a very active RV and traveler community. With a number of sightseeing tours, RV campgrounds, and even RV community events, RV'ers have found a home in Alaska.
Whether you use your RV just a few weekends a year, or live in it full time, having RV insurance is one way to protect your assets while on the road.
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Alaska Traveling Statistics
- In 2009, there were over 12,800 traffic accidents in Alaska.
- There were over 32,800 accidents in 2009 that included a truck/bus/RV.
- There were over 20,000 property crimes in Alaska during 2012.
Alaska may have a small population for its size, however, it has a very high accident rate. The large number of wildlife in the state, along with the extreme weather, make accidents very common. An accident involving an RV can get serious quickly, which is why it's important to have insurance covering your RV and your belongings.
What Is RV Insurance?
RV insurance is a set of policies designed to protect you from some of the most common risks and damages you face as the owner of an RV. A typical RV insurance policy may resemble the following:
- Liability: Depending on your location and driving record, this insurance may be required in Alaska. This does not cover your RV, but if you're involved in an RV accident, it will help cover third party damage, medical expenses, and can help you defend yourself against a lawsuit.
- Property damage: There are two kinds of property damage insurance available. Collision insurance can cover your RV if you're involved in an accident. Comprehensive insurance can cover damages caused by collisions with wildlife, vandalism, weather events, fire, and theft.
- Uninsured/underinsured motorist: If you are involved in an accident while in your RV, and the person at fault has no insurance or has insurance coverage limits that are less than the cost of the damage, this insurance can help you get the repairs you need.
- Personal belongings: This coverage protects any personal belongings aboard the RV. If you have extremely valuable items, you may need additional "riders."
- Equipment and attached accessories: This insurance can cover items such as an air conditioner, generator, satellite dish, pop-out, or awning.
- Campsite and vacation: If you use your RV as a temporary residence, this insurance can cover you.
- Emergency expenses: This coverage can come in handy. If you're stranded, and have to find temporary living quarters, this insurance can help pay for it.
- Towing and roadside: This option can help you get towing services or roadside assistance, should your RV become disabled on the road.
What About Full-Time RV Living?
If you live in your RV full time, you'll need an insurance policy that closely resembles a homeowners policy, but also offers the benefits of a regular RV insurance policy. A full-time RV policy may look like the following:
- Personal liability: If someone is injured while in your RV, this insurance can help pay their medical expenses and help you afford legal defense.
- Medical payments to others: This coverage can help pay for any medical payments that stem from someone being injured while your RV is being used as a residence.
- Storage shed contents: Since many full time RV'ers store their belongings in a storage unit, this insurance covers your personal belongings while you're on the road.
What Types of RVs Can Get RV Insurance in Alaska?
Insurance companies realize that there are a large variety of RVs on the roads. No matter what type of RV you own, there is an insurance policy that will fit your individual situation. Below is a list of the most common types of RVs that insurance covers:
- Class A motorhomes
- Class B motorhomes or camper vans
- Class C motorhomes
- Converted buses
- Folding camping trailers
- Truck campers
- Conventional travel trailers
- Fifth-wheel travel trailers
- Sport utility travel trailers
How Much Will an RV Insurance Policy Quote Be in Alaska?
When you're searching for RV insurance in Alaska, it's important to be familiar with your RV in order to get the most accurate quote. Before getting quotes, be sure to be familiar with the following:
- Type of RV
- Make/model/age of RV
- Length of RV
- If RV has generator/pump
- How often RV will be used
- Where RV will travel
- Value of RV
- Your driving record
- Your credit score
- Whether RV is owned or financed
- Desired coverages
- Desired deductibles
Having this information available will make the quote process much easier, and will allow you to get the most accurate quotes.
Are There Discounts Available on RV Insurance in Alaska?
There are typically many discounts available on RV insurance. During the quote process, be sure to ask about discounts such as the following:
- Loyal customer discount
- Multi-policy discount
- Full-timer discount
- Security system discount
- Paid in full discount
- Lay-up discount (if you only use your RV during the summer)
- Industry/professional group discount
Each insurance company offers different discounts, so be sure to ask about any discounts you may not be aware of.
How Do I Purchase RV Insurance in Alaska?
One very important part of being a responsible RV owner is having the proper insurance coverage. Insurance covers both you and other people, making the road a safer place. A Trusted Choice® agent is always available to help you discuss coverages, guide you through confusing insurance wordage, or even help you file a claim.