There are currently more than 55,000 RVs registered in the state of Georgia. With nationally renowned RV parks such as Bald Mountain Camping Resort, Enota Mountain Retreat, and Stone Mountain family campground located right here in-state, residents do not have to travel far to get away from it all. Enjoy your recreational vehicle and keep it secure with a comprehensive Georgia RV insurance policy.
An independent insurance agent in the Trusted Choice® network can assist you with finding RV coverage to meet your specific needs. These agents can help you compare coverage options from several insurers, and will answer your questions about RV insurance. Contact a member agent in your neighborhood today to start comparing Georgia motorhome insurance quotes.
- Estimated number of full-time RV residents in the U.S.: 400,000
- Number of U.S. households that own an RV: approximately 8 million
- Number of RVs registered in Georgia: 55,672
- Households who’s residents say they would like to own an RV in the future: 21%
Georgia residents know that there is no better way to experience the beauty of this great nation than with a recreational vehicle. Every year this state hosts one of the largest gatherings of RV owners and dealers at the Georgia National Fairgrounds. These vehicles can range in price from $30,000 to $500,000 dollars, so when you invest in one, make sure you’re covered from loss with a suitable insurance policy.
The Different Types of Recreational Vehicles
There are several types of recreational vehicles. The type of RV you own can influence your insurance costs. The most common types are:
Class-A RVs: Considered top-of-the line, these motorhomes resemble busses and include a kitchen, bathroom, bedrooms and climate control. They start at about 24 feet in length, though they can be as long as 40 feet.
Class-B RVs: These RVs are much smaller than the Class-A and Class-C vehicles. They are ideal for those who don’t mind close quarters and prefer better maneuverability on the road. These are typically built on a van chassis and include pop-up or pop-out camper homes.
Class-C RVs: Similar to Class-A vehicles, these RVs have all the amenities of home but are generally smaller and different in appearance, having a truck cab with an overhead bunk, similar to a camper. They range from 20 to 44 feet in length.
Towable Trailers: These include camper trailers, travel trailers and fifth-wheel trailers and provide a pop-up-type camper that can be towed behind a truck or SUV. These are the least expensive RVs, but do not have many of the amenities you would find in the other vehicles.
What Does Georgia RV Insurance Cover?
RV insurance combines the coverage of a homeowners insurance policy with that of a vehicle insurance policy. There are also other coverage considerations unique to RV owners. A basic policy will likely provide liability coverage and contents coverage. Some additional coverage options you may have with your Georgia RV insurance policy include the following:
Total loss replacement: This is typically available only on RVs that are less than five years old. In the event of a total-loss, RV owners with this coverage can receive a comparable replacement vehicle, even if it costs more than the value of the one they lost.
Replacement cost of personal property: This addendum to the contents coverage portion of the policy will provide compensation for any lost or damaged items without taking into account the depreciation of the items.
Full-timer liability: This provides liability coverage, similar to what is provided in a homeowners insurance policy, for those who live in their RVs full-time.
Campsite liability: This provides liability coverage for a given amount of time while you are temporarily using your RV as a residence.
Comprehensive coverage: This will cover loss or damage to your RV due to external forces such as weather, falling objects, fire, vandalism and theft – even when not in use.
Roadside assistance: RVs have special towing and roadside assistance needs that can be quite costly. Roadside assistance coverage will provide compensation if this type of help is needed.
You can work with an agent in the Trusted Choice network when you are assessing your coverage needs. Your agent can ensure that the policy you choose provides the proper coverage.
How Much Does Georgia RV Insurance Cost?
- Estimated cost to insure a Class A RV: $1,000 to $4,000 per year
- Estimated cost to insure a Class C RV: $800 to $3,000 per year
- Estimated cost to insure a trailer or 5th wheel RV: $170 to $1,000 per year
- Estimated cost of insurance from an RV rental company: $15 to $75 per day
Some people use their RVs for commercial purposes, and their insurance rates will be much higher than for those that use them for recreation. If you use your RV full-time or frequently, you can expect to pay higher rates than if you just use it for annual vacations and occasional weekend getaways.
Compare Georgia Motorhome Insurance Quotes
Finding a Georgia RV insurance policy that meets your needs and requirements can be particularly complex. An independent insurance agent in the Trusted Choice network can simplify this process. Your agent can help you determine your coverage needs, understand legal requirements, and provide you with friendly service both now and in the future.
There are thousands of member agents across the county and many can be found right here in Georgia. It is easy to set up an obligation-free meeting with an agent near you to learn more. Contact an agent today and start comparing Georgia RV motorhome insurance quotes in no time.