Many people in New Hampshire enjoy traveling and camping in their recreational vehicles. In fact, residents of the Granite State spend nearly $30 million a year on RV sales and service. If you own a recreational vehicle, you can protect your investment and your finances with RV insurance.
Local independent agents can help you find the best policy. These agents are free to work with some of the most highly rated RV insurance companies in New Hampshire as they search for a great policy at a competitive price. Find an independent insurance agent near you to get started.
How Much Does RV Insurance Cost in New Hampshire?
In New Hampshire, RV insurance costs can range from a few hundred to a few thousand dollars a year depending on several factors such as:
- Your RV’s type, class, length, weight, and value
- The amount of liability coverage you want to include in your policy
- The estimated value of the personal property you keep 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
Obviously, someone insuring a camper van that they use for family vacations once or twice a year will pay much less than a full-time RVer who is on a slow and leisurely tour of the US in a luxury motor home.
No two insurance companies calculate rates in the exact same way. It is therefore to your benefit to compare quotes from a few competing providers. Shopping around for the most affordable rate 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 for you.
Is RV Insurance Required in New Hampshire?
New Hampshire is unusual in that it does not require residents to carry insurance on their vehicles. However, considering how expensive RVs are and the amount of damage they can cause when they are involved in collisions, having a policy is highly recommended.
Also, if you are still paying for your RV, your lender is likely to require you to carry an RV insurance policy that includes coverage against physical damage. If you do have an RV insurance policy, the state mandates that it must also include liability and medical payments coverage.
What Kind of Coverage Can a Standard RV Insurance Policy Provide in New Hampshire?
Because RVs serve a dual purpose as a home as well as a vehicle, they need the specialized insurance coverage that only an RV insurance policy can provide. Your policy can be customized to meet your specific coverage needs according to the kind of recreational vehicle you own and how you use it.
Though it is not required, if you decide to purchase an RV insurance policy, it must include:
- Liability insurance: This covers other people’s medical bills and property damage if you are at fault for 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: $25,000 per accident
- Medical payments insurance: This can help cover medical bills if you or your passengers are injured in a collision, regardless of fault. Your policy must include, at a minimum:
- Medical payments coverage per person: $1,000
RVs are larger and heavier than most vehicles on the road, so if you cause a collision while driving one, it is likely to result in a lot of property damage and potentially serious injuries to others. You may therefore want to consider purchasing high levels of liability coverage and an umbrella insurance policy.
If you are still paying for your RV, your lender is likely to require you to have a policy that also provides coverage against physical damage, which includes:
- Collision coverage: This covers repair or replacement costs if your RV is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: This covers repair or replacement costs if your RV is damaged or totaled by a non-collision hazard like a tornado or a wildfire.
All other coverage is fully optional. You can customize your RV insurance policy by including some or all of the following:
- Uninsured motorist coverage: This helps to cover medical treatment for you and your passengers if you are injured in a collision caused by an uninsured or underinsured driver.
- Personal liability coverage: This is ideal for full-time RVers. It can provide you with the same personal liability coverage you would typically get through a conventional homeowners or renters insurance policy.
- Vacation liability coverage: This supplements your personal liability insurance when you are staying at an RV park. That way, you can be sure that you will have sufficient coverage if you or your traveling companions are accidentally responsible for property damage or injuries to others at the campground.
- Contents coverage: This can pay to repair or replace the personal belongings in your RV if they are lost or damaged due to a covered event like a fire, severe storm, or a burglary.
- Storage facility coverage: This can cover any personal belongings you keep in a storage facility while you are enjoying your time traveling.
- Equipment and accessory coverage: This can cover loss or damage to things like satellite dishes, awnings, and other accessories you may have added to make RV living more enjoyable.
- Towing and roadside assistance: RVs usually require specialized towing and service if they break down while you’re out on the road. This optional insurance lets you rest assured that service calls are covered.
Be sure to review all offered coverage options so that you can build an RV insurance policy that is well suited to how you will be using your recreational vehicle.
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What Is RV Gap Insurance in New Hampshire?
As long as your RV insurance policy includes physical damage coverage, you can rest assured that if your RV is totaled in a covered event, you can be compensated for its actual value just prior to the damaging incident.
However, if you still owe more for your RV than its assessed value, you may be left still paying on a loan for an RV you no longer have.
RV gap insurance was created to solve this problem. It is designed to bridge the gap between what you owe for your RV and what it is worth. That way, your RV loan can be paid off in full when you receive compensation for a totaled vehicle.
This coverage is typically only needed during the first couple of years of new RV ownership because this is when depreciation is fastest.
New Hampshire Health Insurance for Full Time RVers
Healthcare coverage is important for everyone. If you want to buy a health insurance policy on the open market, an independent insurance agent can help you find a competitively priced policy that can provide suitable coverage no matter where in the US your RV takes you.
If you plan to drive your RV into Mexico or Canada for an extended trip, your agent can also help you be certain that you will have the healthcare coverage you need if you need to seek medical attention while out of the country.
What Are the Best RV Insurance Companies in New Hampshire?
The best RV insurance companies in New Hampshire are the ones that can demonstrate consistently positive customer ratings, a long history of providing reliable coverage, a solid reputation for responsive customer service, and comparatively affordable rates.
Independent agents in New Hampshire have teamed up with some of the state’s most highly rated insurance providers, so you can rest assured that any policy your agent recommends is offered by a dependable insurance company.
Why Shop for RV Insurance with a New Hampshire Independent Insurance Agent?
Local independent agents are available to help you find a reliable RV insurance policy at a great price. These agents can offer you trustworthy guidance and advice and can shop around to find you the best policy to meet your coverage and budgetary needs.
Discover the many advantages that come with having an experienced insurance professional on your side. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing customized RV insurance quotes.