New Hampshire is a RV enthusiast’s playground. Take your RV to the Great North woods for a relaxing week in the beauty of nature, or head to Mount Washington for spectacular summit views. During the summer, take the entire family to one of the many lakes for a week full of fishing, canoeing, and kayaking. If the beach is more your style, there are plenty of RV friendly campgrounds with close access to the rolling waves. Take advantage of all your state has to offer and get outdoors.
While your homeowner or vehicle insurance may provide partial coverage for your RV, it doesn’t provide the comprehensive coverage you need. Whether you’re heading out for a long weekend or an entire summer, make sure you’ve got coverage for all situations.
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NH Vehicle Specifications
- An RV must not be over 13 feet 6 inches
- A single vehicle or bus should not exceed 45 feet in length
- If a towing trailer exceeds 53 feet, it may only travel on designated highways
- An RV must not exceed 102 inches wide
- All posted speed limits must be obeyed
Types of RVs
- Class A motorhomes
- Class B motorhomes
- Class c motorhomes
- Motorhome bus conversion
- Travel trailer
- Fifth wheels
- Truck campers
- Camper vans
New Hampshire RV Insurance Coverage Options
The type of coverage you need depends on the type of RV you own and how often it’s used. It’s important to know that you need different coverage than your standard vehicle coverage. For a motorhome, you will need an RV insurance policy. RV policies are designed to specifically meet the needs of an RV and its drivers. If you’re living in an RV for months at a time, you’ll need more coverage than someone who only uses it on the weekends.
- Comprehensive/collision: If your RV is damaged, you will need to repair it. But without coverage, the cost of repair comes out of your own pocket. With this coverage form, you make a claim with your insurance company and you’re issued benefits minus your deductible to fix your RV. You never know what can happen when you are traveling far from home.
- Emergency expenses: Some policies will automatically include this with comprehensive/collision coverage. If you become stranded and must stay in a hotel or need to tow your RV, this coverage will help pay for the costs. Additional coverage amounts are available.
- Vacation liability: If you cause an accident that injures someone or causes property damage while your RV is parked, this portion of your policy will allow the injured party to collect benefits if they make a claim.
- Personal effects replacement: When an RV is your home away from home, a break in can be devastating. This coverage form will help replace the items. Not sure how much coverage you need? It depends on the items that you consistently carry.
- Full timer’s package: Similar to your homeowner policy, this is a bundle of policies like liability and medical payments that give you the protection you need when you live in an RV. This is more expensive than standard New Hampshire RV insurance, but worth the investment if you’re doing serious traveling.
Affordable New Hampshire RV Insurance Quotes
If you’re concerned about the cost of RV insurance, contact a Trusted Choice® member agent. While your premiums will be based on certain uncontrollable factors like your driving history, make and model of RV, and its value, an independent agent has the ability to source multiple New Hampshire motorhome insurance quotes to find a policy that meets both your needs and your budget. Find out how you can benefit from the right RV coverage by contacting a Trusted Choice member agent today.