Montana is home to some of the most beautiful landscapes in the nation. From pristine, crystal clear rivers and lakes to the breathtaking Grand Tetons, Montana has more than one reason to be called The Treasure State. Montana's wonderful scenery and vibrant outdoor community lead many outdoor enthusiasts to call Montana home.
One of the most popular ways to visit and enjoy Montana is in an RV. With large expanses of open land, many opportunities to sight endangered wildlife and once-in-a-lifetime views, this state is prized as a top destination for RVers.
Unfortunately, those perks comes with a toll. Many fatal accidents occur in Montana every year, making RV insurance an important item to consider before hitting the roads.
Montana Driving and Recreation Snapshot
- There are over 50 state parks with over 500 campsites in Montana.
- In 2012, there were 205 traffic fatalities.
- Yellowstone and Missoula counties had the highet number of traffic fatalities during 2012.
- Many of Montana's state parks also offer tipis, yurts, or cabins.
- Travelers' Rest State Park is the only archeologically verified campsite of Lewis & Clark.
This state has a lot to offer visitors, residents, and campers alike. However, no matter your mode of travel, you should always be prepared for emergencies. Just like a first aid kit or a spare tire, RV insurance is there for you when accidents happen, and can prove quite valuable.
What Is RV Insurance?
RV insurance is a group of insurance policies put together in order to offer you protection from some of the most common risks you face as an RV owner. Depending on your individual situation, the following coverage types may be offered:
- Liability insurance: This can protect you from liability claims stemming from an accident where you are at fault.This type of insurance is required in the state of Montana.
- Property damage: Two kinds of property damage are typically covered by insurance: Collision with another object, excluding animals, which is covered under collision insurance; and damage caused by vandalism, theft and weather events, which is covered under comprehensive insurance. Many financing companies require comprehensive insurance if you've taken out a loan on an RV.
- Uninsured/underinsured motorist: Unfortunately, not everyone carries insurance. If you are involved in an accident with someone who is uninsured or underinsured, you may have to cover the damages out of your own pocket. This coverage can help pay those damages.
- Personal belongings: This works to cover the personal belongings in your RV.
- Equipment and attached accessories: If you have equipment attached to your RV, such as a satellite dish or awning, this insurance can cover those extra items.
What Types of RVs Can I Insure in Montana?
Insurance companies know that there are many types of motor homes on the roads, so they insure most types of RVs. Here are some of the most common motorhomes that insurance can cover:
- Class A motorhomes
- Class B motorhomes (Also known as camper vans)
- Class C motorhomes
- Converted buses
- Folding camping trailers
- Truck campers
- Conventional travel trailers
- Fifth-wheel travel trailers
- Sport utility travel trailers
- Travel trailers with expandable ends
If your RV isn't on this list, you may still be able to get coverage. Ask an insurance agent about your particular needs.
What Will My Insurance Quote Look Like in Montana?
An RV insurance policy won't be the same for everyone, which is why getting a quote before purchasing is important. When shopping for RV insurance, make sure to be familiar with the following factors:
- Make of RV
- Type of RV
- Value of RV
- Length of RV
- Value of assets within RV
- How often RV is used
- How far RV will travel
- If RV will be used as a full-time residence
- Where RV will be stored
- Your driving record
- History of claims
These factors will help an insurance agent determine which coverage types will be most beneficial for you and your unique situation.
What If I Live in My RV Full Time?
If you live in your RV full-time, you'll need specialized insurance that will cover you and your belongings, much like a homeowners insurance policy. In addition to the normal coverages, you may need the following additional coverages in order to protect yourelf from the increased risks that full-timers face:
- Personal liability: If someone incurs an injury while on your property or in your RV, this can work to cover the costs associated with the injury.
- Medical payments to others: If someone injurs themselves while in your RV or on your property, you may be held liable for their medical payments. This insurance is designed to cover those costs.
- Loss assessment: This coverage can work to help you recover losses due to being involved in a tenant or property owner association.
- Storage shed contents: Most RVers choose to store their large belongings while they live in their RV. This insurance can cover your items while they are being stored.
What Types of Discounts are Available for RV Insurance?
Much like many other insurance policies, discounts available on RV insurance. When shopping for quotes, be sure to ask about available discounts, including the following:
- New customer discount
- Loyal customer discount
- Multi-policy discount
- Good driver discount
- Claim-free discount
- Lay-up discount (If you only use your RV during part of the year)
- Professional/industry affiliation discount
- Good credit discount
Each insurance company offers different discounts, so be sure to ask about all available discounts.
Finding the Right RV Insurance Policy for You
Accidents and crimes happen. Having insurance that covers you from loss and damage can help you travel in your RV with confidence. A Trusted Choice® agent is always available to help you get quotes, suggest coverages, find discounts, or even help you file a claim.