With miles of uncrowded roads, majestic scenery, and hundreds of privately owned RV parks and public campgrounds, Idaho is an RV owner's paradise. Many of Idaho’s RV parks are located along rivers, lakes, or golf courses, providing hours of fun for your RV vacation getaway.
But a lot can go wrong while you’re traveling in your RV. Whether you're a full-time or a part-time RVer, it's important to understand the risks of driving an RV and how to protect yourself.
It’s important to have RV insurance in order to protect yourself, your RV, and your belongings when you hit the road. An independent insurance agent can help you get multiple quotes for RV insurance in Idaho. A local agent can help you choose the best coverage for your needs and budget.
Is RV Insurance Required in Idaho?
RV insurance is required in Idaho if you use your RV as a motor home and drive it on public roads under its own power.
Idaho state law requires you to carry a minimum amount of liability insurance, as follows:
- Bodily injury liability coverage of $25,000 per person and $50,000 per accident
- Property damage liability of $15,000.
You may also choose to purchase comprehensive and collision insurance to cover physical damage to your RV. There may be other requirements under certain circumstances, such as:
- If you live in your RV full time, you’ll need special “full-timer” RV insurance that combines elements of auto insurance and homeowners insurance.
- If you finance the purchase of your RV, your lender is likely to require you to buy comprehensive and collision coverage in addition to liability coverage before your financing will be approved.
If you’ve got an RV like a pop-up, travel trailer, or fifth-wheel that is towed behind another vehicle, it will be covered by the car insurance policy of the vehicle that is towing it
How Much Does RV Insurance Cost in Idaho?
You might think that your RV insurance in Idaho is expensive, especially if you’re a full-timer. But there are a lot of factors that go into how much you’ll pay for RV coverage, including the following:
- The type, make, model, and size of the RV
- Your driving history
- The coverage limits, optional coverage, and deductibles that you select
- Where and how far you typically travel in your RV
An independent insurance agent in Idaho can help you decide what type of coverage is best for your needs, and can help you get multiple quotes so you can make the best choice for your budget.
What Kind of Coverage Can RV Insurance Provide in Idaho?
RV insurance in Idaho blends home insurance and auto insurance coverage into one policy that protects the vehicle from collisions with other vehicles or objects, weather, vandalism, theft, and other perils. In addition, it should cover your personal property inside the RV, and provide liability protection in case you cause injury or damage to someone else.
RV insurance can be purchased as an add-on to your auto insurance policy, or as a separate RV insurance policy. For motor homes, you must have at least the state minimum for liability coverage because they are driven and not towed. You’ll need a separate RV insurance policy if your motor home is considered Class A, Class B, or Class C, if it's financed, or if it's a rental.
RV insurance is generally divided into two categories: recreational and full-timer. If you don't live in your RV full time, recreational insurance will cover your RV inside and out when you’re on the road or parked at a campsite. A full-time RV insurance policy is for those who use a motor home or travel trailer as their primary residence.
A basic RV insurance policy in Idaho is likely to include the following:
- Liability coverage: (required by law) Protects you if you cause injury or damage to someone else while operating your RV.
- Comprehensive and collision coverage: Works just like the comprehensive and collision coverage in your auto insurance policy. They cover physical damage to your RV. They are optional, but will be required by your lender if you finance your RV.
- Uninsured and underinsured motorist coverage: Protect you if you’re hit by an uninsured or underinsured driver while operating your RV. In Idaho, insurance companies are required to provide uninsured and underinsured motorist coverage, unless you have waived the coverage in writing.
- Medical payments coverage: Pays for medical expenses for you or your passengers if you’re in an accident, regardless of who is at fault.
A variety of other RV insurance coverage options are available. Depending on the insurance company you choose, these may include:
- International travel coverage: Will cover you if you plan to drive your RV into Mexico or Canada.
- Loss replacement coverage: Will help you replace your RV if it suffers a total loss.
- Personal property insurance: Provides coverage for personal items inside your RV, such as clothing, kitchen items, tools, equipment, electronics, and so on.
- Attached accessories coverage: Reimburses you for damage to items like awnings or TV antennas that are not covered under the basic policy.
- Emergency expenses coverage: Reimburses you for hotel or transportation costs after you’ve had an accident and cannot use your RV.
- Campsite and vacation coverage: Protects you if you use your RV or motor home as a temporary residence during a vacation. It covers your liability exposures in these situations.
Part-time RV users who only use their vehicle during certain months can suspend their collision and liability coverage when the RV is not in use. This can help them save money on their premiums.
Keep in mind that RV insurance in Idaho will have coverage exclusions. It will typically not cover general wear and tear or mechanical problems. It also won’t cover damage caused by mold, fungi, rot, earthquakes, and floods.
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Idaho Health Insurance for Full-Time RVers
If you’re a full-time RVer, having health coverage is one of the more complex issues for you to navigate before you hit the road. To begin with, full-time RVers don’t have a permanent address, making purchasing something like health insurance even more complicated than normal. But you do have to have an official domicile for purposes of registering vehicles, voting, and so on, even if you don’t technically “live” there. Your domicile will remain the state from which you have “moved” into your RV, until such time as you take the necessary steps to change it.
You’ll need to decide among a variety of health insurance options that are available to individuals or families that are embracing the full-time RV life. The typical options are as follows:
- Medicare: This is the easiest solution for full-time RVers who are aged 65 and older. You’ll be covered everywhere in the US and able to use any doctor or hospital that accepts Medicare. If you have a Medicare supplement plan, check with your insurance company for specifics on where and how you’ll be covered while traveling.
- Health Insurance Marketplace: The Health Insurance Marketplace, accessible at healthcare.gov, offers various health insurance options depending on where your domicile is.
- Private health insurance: Some insurance companies offer private individual health insurance plans. This may be an attractive option if you can find one that is affordable, and that can cover you wherever you travel.
- Short-term health insurance: Some insurance companies offer short-term health insurance plans for people who need temporary coverage, usually during a transition between jobs or other insurance changes.
- Self-employed group coverage: Self-employed individuals can sometimes qualify for group coverage, either on their own or in a larger group made up of other self-employed people.
Health insurance options for full-time RVers will vary depending on where they have their formal domicile. What’s more, you’ll have to carefully weigh your options and your budget to ensure that you’re making the best choice.
What Is RV Gap Insurance?
Standard RV insurance policies cover the depreciated value of the vehicle, i.e., its current market value at the time of a claim. But what if your RV is totaled in an accident, and the market value of the RV is less than what you owe on it?
That’s where RV gap insurance comes in. It covers the difference between what an RV is currently worth (and what your insurance company will pay if it’s totaled) and the amount that you owe on your loan.
How to Find the Best Full-Time RV Insurance in Idaho
Local independent insurance agents make comparison shopping for full-time RV insurance easy. They can obtain quotes from the best RV insurance companies in Idaho, and ensure that you’re getting your policy at a competitive price.
Why Shop RV Insurance with an Idaho Independent Insurance Agent?
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Contact an agent today for a free, no-obligation consultation.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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