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.
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RV Facts and Statistics
According to the Recreation Vehicle Industry Association (RVIA):
- There's an RV for every taste and budget. Prices for new RVs are typically $5,000-$22,000 for folding camping trailers; $6,000-$55,000 for truck campers; $8,000-$95,000 for conventional travel trailers; $43,000-$200,000 for Type C motorhomes and $60,000-$500,000 for Type A motorhomes.
- U.S. ownership of RVs has reached record levels, according to a 2011 University of Michigan study commissioned by the RVIA. Approximately 8.9 million households own an RV.
- Today's typical RV owner is 48 years old, married, with an annual household income of $62,000 - higher than the median for all households, according to the Michigan study.
- RV vacations are more affordable than travel by personal car, commercial airline or cruise ship, according to vacation cost-comparison studies by PKF Consulting. Even factoring in RV ownership costs, and considering resulting tax benefits, a family of four can spend up to 59 percent less when traveling by RV.
Why Is RV Insurance Important?
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.
Am I Required to Carry RV Insurance?
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.
Can I Find Insurance for My Specific 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:
- Folding camping trailers
- Truck campers
- Conventional travel trailers
- Fifth-wheel travel trailers
- Sport utility RVs
- Type A, B and C motorhomes
What Does RV Insurance Cover?
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:
- Liability coverage: This can help pay for costs associated with causing an injury or property damage to a third party while operating your RV. It can also help pay your court fees and legal costs should you be sued stemming from an accident or injury.
- Collision coverage: If your RV is driven, this can help pay for repairs to your vehicle should it be involved in an accident on the road.
- Comprehensive coverage: This can help pay for repairs to or replacement of your RV if it is damaged or totaled by fire, severe weather, theft, vandalism or any other covered event.
- Additional coverage: You may want to ask your insurance agent about specialty coverage such as: full-timers coverage for those road warriors who live in their RV year-round; accessories coverage if you transport valuable equipment or items in your RV; and campground coverage that can help protect you on those extended vacations.
What Will My RV Insurance Quote Look Like?
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:
- The size and value of your RV
- How often you use it
- Your driving history
- The coverage you need and the options you choose
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.
Where Can I Find RV Insurance?
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.