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.
Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.
Before you search for RV insurance quotes, there are several factors to keep in mind.
RV Accident Statistics
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:
- Runaway trailers
- Inexperienced driver
- Poorly balanced load
- Rollover due to higher center of gravity
- Driver fails to see a car in the RVs' large blind spot
- Poorly calculated turns
Why is RV Insurance Important?
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.
Is RV Insurance Required in Maryland?
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.
Can I Find Insurance for My RV?
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:
- Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long.
- Class B: This is the smallest class of recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers and camper vans.
- Class C: This group includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.
What Does RV Insurance Cover?
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:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside coverage
- Full-timer coverage if your RV is your full time residence
- Uninsured and underinsured motorists coverage
What Will My RV Insurance Quote Look Like?
Most Maryland insurance companies take several factors into account when they calculate your premium quote, including:
- The type and value of your RV: Class A is the most expensive coverage, followed by Class C, while Class B RVs are the least costly to insure. The more expensive model RV you own, the higher your quote will be.
- How often you use your RV: A full-timer's RV insurance package resembles a homeowners insurance policy more than a vehicle insurance package.
- Your driving history: As always with vehicle insurance, those with few or no claims and a clean driving record will receive lower quotes than someone with several accidents in their past.
- The options you choose: The limits you set on your policy, as well as the deductible amounts, will affect your premium quote.Your quotes will be lower if you choose high deductibles, but you will also have higher costs to pay out of pocket in the event that you need to file a claim.
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.
Where Can I Find RV Insurance?
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.