With miles of uncrowded roads, majestic scenery, and more than 650 privately-owned RV Parks and public campgrounds, Idaho is an RV owner's paradise. Many of these RV parks are located along rivers, lakes, or golf courses, providing hours of fun for your RV vacation getaway. The last thing you want to worry about while traveling in your RV is what would happen should your RV be damaged. Only a comprehensive RV insurance package will keep those worries at bay.
An independent insurance agent can help you find the right RV insurance for your particular situation. But before you search for RV insurance quotes there are several factors to consider.
With the baby boomers poised to retire and many of them not quite ready to sit at home watching birds, RV ownership is growing at breakneck speed.
Whether you use your RV a few times a year to take the family on vacation or you're a full time road warrior, chances are you have invested a lot of money in your motorhome and its contents.
It is also important because RVs are large vehicles that can cause major injuries and significant damage to other vehicles and property in an accident.
If you buy a new RV costing anywhere from $30,000 to more than $200,000 and haven’t purchased full replacement cost coverage, you can be saddled with significant costs if it is totaled in an accident. If you took out a loan on your RV, the lender may require you to purchase insurance.
Most Idaho insurance providers are no strangers to the number of different RV makes and models on the market and can provide you a quote for your particular flavor of RV. These are the most common types of RVs that you should be able to find coverage for:
Like car insurance, RV insurance is required in Idaho if your RV is motorized and you plan on taking it on the road -- which, after all, is the point. Idaho requires a minimum amount of liability insurance. Collision and comprehensive insurance limits are determined by you, the consumer. Be sure to consider how you will cover your costs if you are in an accident and do not have adequate coverage.
Under the following circumstances, you may experience additional requirements:
RV insurance is often a combination of auto and homeowners insurance because most models are a bit of both. The majority of Idaho insurance providers will give you the following options to choose from when you build your RV insurance policy:
The quotes you will receive from Idaho insurance providers on your RV insurance will depend on a number of factors, including:
For example, a Class A RV may be quoted at around $2,000 a year or more, while a Class B may fall somewhere between $1,000 and $2,000.
While cruising Idaho's many beautiful places, the only thing you want to worry about is what new adventure awaits you, not whether or not you could afford an accident. Knowledgeable independent insurance agents on the Trusted Choice® network are always here to answer any of your questions, suggest coverage options, and even help you file a claim.
Their years of experience working with Idaho insurance companies enable them to find you a number of quotes from a variety of providers, ensuring you only receive the most comprehensive features at the most competitive rates. Contact a Trusted Choice agent near you to find out how you can travel in your RV with peace of mind.