With dozens of RV parks nestled near state parks or private campgrounds, North Dakota offers a variety of vacation destinations for the RV owner. As the popularity of these recreational vehicles increases, so too does the number of accidents and injuries stemming from RV use. Do you have an insurance policy that can protect your finances?
Before you search for RV insurance, there are several factors to consider.
According to the Recreation Vehicle Industry Association (RVIA):
No matter what type of RV you own, it is a considerable investment for most North Dakota households. You want an insurance policy that can help you make swift repairs following an accident. You also want protection against litigation and other liability concerns involving your camper or fifth-wheel. RVs are more than just vehicles and, therefore, they have a unique set of risks that can only be addressed with an RV insurance policy created to fit your needs.
North Dakota state law stipulates that if your RV is driven, rather than towed behind your vehicle, you must carry minimum liability insurance on it. However, these minimum standards may not be sufficient to protect you from being sued as the result of causing a third party injury while operating your RV. Liability-only insurance policies also do not cover damage to your RV. You may want the added protection of collision or comprehensive coverage on your RV insurance policy. It's a good idea to speak with a qualified insurance agent who can suggest appropriate insurance coverage for your particular RV.
If you purchased your RV from a North Dakota retailer, chances are you can find an insurance policy that fits your vehicle. The most common types of insurable RVs include:
Coverage options for your RV can vary significantly from insurance company to company. Be sure to compare several policies to determine which is right for you. Most North Dakota insurance companies offer the following types of RV coverage:
The quotes you will see from North Dakota insurance companies can vary significantly. Most providers take several factors into account when calculating your RV insurance quote, including:
Because RVs come in all sizes and values, it's difficult to estimate an average RV insurance quote. The more valuable the RV, typically the more expensive it is to insure. If your policy has a high deductible, you may find lower quotes, but be sure the deductible you choose is one you can comfortably afford to pay should you need to file a claim.
Generally, Class A motorhomes may find quotes around $2,000 a year for a comprehensive insurance policy, while campers you tow behind your vehicle may find quotes for a few hundred dollars per year.
The best way to make your next vacation worry-free is by obtaining an RV insurance policy to protect your finances.
Knowledgeable, independent insurance agents on the Trusted Choice network are always available to answer your questions, suggest coverage options best suited to your RV, and even assist you in filing a claim. These agents have years of experience working with North Dakota insurance companies, enabling them to find you a variety of quotes from a number of providers, giving you the best coverage at the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can obtain the best RV insurance policy that fits your needs and budget.