Whether you use your RV to visit one of Maryland's beautiful camping parks during the summer, or you're a full time road warrior, taking your RV wherever the road may lead, finding the right insurance policy to protect you and your mobile vacation destination can be complex.
Before you search for RV insurance quotes, there are several factors to keep in mind.
The Federal Motor Carrier Safety Administration reports that in 2003, more than 70,000 people were hurt in RV accidents. The following were the major reasons cited for causing the accidents:
Touring the scenic beauties of Maryland via camper or motor home is a great way to get out in the wild without leaving the comforts of home. And with some 10,000 registered RVs in the state, it's clear they are becoming popular.
RVs and motorhomes can cost anywhere from a few thousand dollars to several hundred thousand dollars. These mobile vacation spas act more like homes than vehicles, and you need an insurance policy that reflects their value and use.
If your RV is drivable, rather than some of the towed camper models, Maryland state law requires you to carry minimum liability insurance on it. Be sure to check with your local Department of Motor Vehicles to determine if your policy meets those minimum requirements.
You are also required to title and register any RV, motorhome or camper trailer with the State of Maryland. If you have already been through this process with your passenger vehicle, it should be familiar to you. Remember, however, the fees and registration tax you pay for an RV will probably be higher than for your four-door sedan, as the weight and value of the vehicle is used to calculate these fees and taxes.
Most RVs, motorhomes and campers fall into one of the following categories, and Maryland insurance companies should be able to find you a policy that meets your specific RV's needs:
RV insurance covers the basic options of a traditional vehicle insurance package, such as liability, collision and comprehensive coverage to protect you from injuries or damages you cause another person, to help pay for damages to your RV stemming from a traffic crash, and to help you repair your RV after severe weather, theft or vandalism.
You should also be able to find the following types of RV insurance coverage options from your Maryland insurance company:
Most Maryland insurance companies take several factors into account when they calculate your premium quote, including:
For example, a Class A RV may be quoted at around $2,000 per year or more to insure, while a Class B RV insurance package could see quotes as low as a few hundred dollars per year.
Regardless of whether your RV is big or small, used once a summer, or all year long, finding the right insurance policy to protect you and your motorhome is as vital as checking the oil. Knowledgeable, independent insurance agents on the Trusted Choice network are always available to answer your questions, suggest coverage options best suited for your RV, and even assist you in filing a claim. These agents have years of experience working with Maryland insurance companies, enabling them to find you a variety of quotes from a number of providers, which ensures the quotes you see will offer the best coverage at the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can secure the perfect RV insurance policy that meets your needs and budget.