RV Insurance in Nebraska
Experts break down recreational vehicle insurance costs, coverages, companies, and more in Nebraska.
Many residents of Nebraska enjoy traveling and camping in recreational vehicles. In fact, people in the Cornhusker State spend more than $30 million a year on RV sales and service. If you own a recreational vehicle, you can protect your investment and your finances by having a good RV insurance policy.
Local independent agents can gather policies and rates from a variety of insurance companies in Nebraska to help you find a great policy at a competitive price. Contact an independent insurance agent near you to get more information and to start comparing customized RV insurance quotes.
How Much Does RV Insurance Cost in Nebraska?
RV insurance costs can range from a couple hundred to a few thousand dollars a year depending on several factors such as:
- Whether your RV is a motorized vehicle or a trailer
- Your RV’s length, weight, and value
- The estimated value of the personal property in your RV's living quarters
- How often and how far you plan to drive your RV per year
- How much time you plan to spend living in your RV per year
- Your driving record and insurance claims history
- Which, if any, coverage options you want to include in your policy
- The size of your deductible
To find out how much it will cost to insure your RV, you can contact some insurance providers to ask about pricing.
Why Compare Customized RV Insurance Quotes before Buying a Policy in Nebraska?
Every insurance company has its own method for computing RV insurance rates. Therefore, if you contact a few different insurance providers to request customized quotes, you are likely to be presented with a few different rates.
Shopping around lets you choose the policy that offers the coverage you want at the most affordable rate. This has the potential to save you hundreds of dollars a year on your RV insurance policy. Independent agents can save you time and money by doing the comparison shopping on your behalf.
Is RV Insurance Required in Nebraska?
If your RV is a non-motorized towable, such as a teardrop camper, travel trailer, caravan, or fifth-wheel, you are not required by Nebraska state law to have RV insurance. Instead, you will need to purchase a trailer endorsement on the insurance policy of the vehicle that will be used to tow it.
However, if your RV is self-propelled, like a motor home or camper van, it will need to be covered by an RV insurance policy that meets or exceeds the state's minimum coverage requirements.
Save on RV Insurance
Our independent agents shop around to find you the best coverage.
What Does Nebraska RV Insurance Cover?
RV insurance is a mixture of required and optional coverage. It is designed to cover your property and finances whether you are using your RV as a home or a vehicle when problems arise.
All RV insurance providers authorized to sell policies in Nebraska will offer the following required coverage:
- Liability insurance: This is required by the state for motorized RVs. It covers other people’s medical bills and property damage if you cause a collision. Your policy must include, at a minimum:
- Bodily injury liability coverage per person: $25,000
- Bodily injury liability coverage per accident: $50,000
- Property damage liability coverage per accident: $25,000
- Uninsured/underinsured motorist insurance (UIM): This is designed to pay for medical treatment and related costs if you or your passengers are injured in a collision caused by an uninsured, underinsured, or hit-and-run driver. Your policy must include at least:
- UIM bodily injury coverage per person: $25,000
- UIM bodily injury coverage per accident: $50,000
RVs are larger and heavier than most vehicles on the road, so if you cause a collision while you are driving one, you could cause a lot of property damage and serious injuries to others. You may therefore want to purchase liability coverage in much higher amounts than the state requires.
You can also expect your RV insurance company to offer a variety of coverage options including things like:
- Physical damage insurance: This covers loss or damage to your RV. If you have financed your vehicle and are still making payments on it, your lender is likely to require you to have this insurance. Physical damage coverage includes:
- Collision insurance: This covers the cost to repair or replace your RV if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive insurance: This covers the cost to repair or replace your RV if it is damaged or totaled by a non-collision event like a hailstorm or theft.
- Personal liability insurance: This is for people who live in their RVs full time and do not have personal liability coverage through a home or renters insurance policy.
- Vacation liability insurance: This supplements your personal liability insurance so you can be sure that you will have sufficient coverage if you are accidentally responsible for property damage or injuries while you are staying at an RV park.
- Contents insurance: This can cover the cost of repairing or replacing the personal belongings in your RV if they are lost or damaged because of a covered event like a burglary, a severe storm, or a fire.
- Towing and roadside assistance: RVs require specialized towing and service if they become disabled while you’re out on the road. This can cover the cost of a service call and tow to a nearby garage.
- Umbrella insurance: This is an independent policy that can significantly boost the liability coverage provided by your RV insurance and any other policies that provide you with personal liability protection.
It is a good idea to review all offered coverage options and their costs so you can best determine which optional coverage is a good fit for you and your family.
What Are the Best RV Insurance Companies in Nebraska?
The best RV insurance companies in Nebraska are the ones that have a long-standing history of providing responsive customer service, reliable coverage, and competitive rates.
Independent agents in Nebraska have relationships with some of the state’s most highly rated insurance providers. This lets you rest assured that any policy your agent recommends to you is offered by a dependable insurance company.
How Can an Independent Agent Help Me Find the Best RV Insurance in Nebraska?
If you are looking for an ideal RV insurance policy, you can benefit from working with a local independent agent. These agents are available to offer obligation-free guidance and advice, and are free to work with a variety of insurance providers as they shop around for the best policy.
Discover the many benefits of having a local insurance professional on your side. Find an independent insurance agent near you to learn more and to start comparing customized RV insurance quotes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
©2023, Consumer Agent Portal, LLC. All rights reserved.