Buying and owning an RV is a dream come true for many travelers. An RV can open up the door to Maine to allow vacationers to see the many splendors and sights our great state has to offer. RV insurance coverage will protect your traveling companions and assets while you are on the road. Whether you are traveling a winding street near Acadia National Park, heading toward the beaches of The Kennebunks, or climbing the roads of Mount Katahdin, an RV can get you there. Quotes for your RV insurance policy will vary depending on the type and amount of usage you get out of your vehicle.
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Types of RVs You Can Insure in Maine
Whether you own a luxury motorhome equipped with its own car stall or a pull-behind pop-up camper, Maine statutes stipulate you must insure these types of recreation vehicles:
- Class A motorhome
- Bus conversion
- Diesel pusher
- Class B motorhome or camper van
- Class C motorhome
- Truck camper
- Popup camper
- Travel trailer
- Teardrop trailer
- Hybrid trailer
- Fifth-wheel trailer
- Park model (vacation/resort cottage)
- Toy hauler
More than Just a Vehicle
Maine RV insurance covers more than motorhomes, camper vans and travel trailers; the right policy can also cover your passengers, valuables and assets.
Most travelers pack their RVs with belongings to make their road trip comfortable. It is important to take an inventory of the possessions you plan to bring along on that next great adventure so that you can find the right insurance quotes.
Legally speaking, you are required to have a certain minimum amount of coverage when you have your motorhome registered. There are also many insurance options available to ensure that your motorhome obtains maximum coverage and protection.
What Kind of Coverage Do You Need if You Live in Your RV?
Full-timers – those who live in their RVs – must purchase a full-timer's package, which includes coverages similar to those in a homeowners policy. The full-timer's package covers personal liability, medical payments to others, loss assessment and storage shed contents:
- Full-timer's personal liability: Up to $500,000 combined single-limit coverage
- Full-timer's medical payments to others: Up to $50,000 for the medical expenses of others injured on your property
- Full-timer's loss assessment: Up to $5,000 coverage for certain assessments
- Storage shed contents: Up to $5,000 coverage for contents located in a shed owned, leased or rented by the insured at the time of loss
If you're not a full-time resident of your RV, your requirements will be slightly different. It's good to speak with a trusted insurance agent who can advise you on the best limits and policies for your personal situation.
Various Options Available
When you search for RV insurance quotes, you'll be able to add any of the following coverage options:
- Roadside assistance
- Emergency expense
- Replacement cost of personal effects
- Vacation liability
- Full-timer's package
- Deluxe package
Why Should You Carry RV Insurance?
Your RV is more than a car, and your RV insurance coverage should protect more than what typical car insurance does. Rather than add your RV to your auto policy, consider RV insurance coverage with an RV policy. Keep the following in mind as you decide whether to buy RV insurance coverage since insurance companies generally don't cover the following situations under a standard auto insurance policy:
- You keep things in your RV that you wouldn't keep in your car, such as clothing, jewelry, binoculars, VCRs, laptops, camcorders or outdoor gear.
- When you park your RV at a campsite, you may be liable for the area around your RV. If someone is injured, you may be responsible.
- If your RV sustains damage while you're traveling, you'll need a place to stay and a way to get there.
Since your insurance will not cover the above scenarios in the event of a loss, they could end up costing you thousands of dollars. However, when you insure your RV on its own policy, you'll know you have a wide range of RV insurance coverage in Maine for a wide range of incidents.
Finding the Right Policy
You've packed up the family in the RV, and you are ready to discover one of Maine's many hidden treasures. But before you go on the road, you should make sure you have reviewed RV insurance quotes and options, and gotten a policy that fits your needs, vacation plans and vehicle.
Contact a Trusted Choice® independent agent for more information.