When it comes to RV insurance, owners of recreational vehicles in Oregon have nearly as many coverage options as they do campgrounds at which to enjoy them. From RV parks in the scenic Mt. Hood/Columbia Gorge area, to campgrounds along the Pacific Coast, RV owners can enjoy a number of beautiful vacation retreats, all without ever leaving their home state. Insurance coverage for these homes-on-wheels tends to be a bit expensive, so it is important that RV enthusiasts in Oregon compare a number of motorhome insurance quotes and policy offerings before making a purchase.
The Many Benefits of Owning an RV
- 73% of RV owners polled state that they benefit from significant savings on family vacations
- Travelling by RV reduces your exposure to illnesses and other health risks
- RV vacations enable families to enjoy quality time together
- There are thousands of scenic RV campgrounds located throughout the U.S.
- There are more than 215 RV parks in the state of OR alone
What Is RV Insurance?
RV owners have complex insurance coverage needs because they require vehicular coverage for the times when they are driving their motorhomes from one location to another, while they also require homeowners-type coverage for the times that they are living in these portable homes.
RV insurance provides both types of coverage. It also includes several other coverage options that are designed specifically to meet the unique needs of recreational vehicle owners, such as campsite liability insurance. Most insurers offer a variety of coverage options, and this enables Oregon’s RV owners to build policies that are ideal for their specific circumstances.
What Types of Coverage Does RV Insurance Provide?
RV insurance policies offer a number of coverage inclusions and options. Coverage types you can expect to find include:
- Vehicular liability insurance: This is designed to cover your liability if you cause an accident in which a third-party is injured or suffers property damage. Because RVs are large, heavy vehicles, they can cause a great deal of damage. It is therefore strongly recommended that you purchase liability coverage in an amount well over the state-required minimums. You may even want to supplement your RV policy with umbrella insurance.
- Collision insurance: This is meant to provide compensation for necessary repairs to your RV if it is damaged in a motor vehicle collision, regardless of fault.
- Comprehensive insurance: This is designed to provide you with compensation for any loss or damage to your RV that is caused by non-collision-related external events such as flood, fire, falling objects, severe weather, vandalism and theft.
- Roadside assistance: Recreational vehicles have distinctive towing and roadside support requirements and this specialized assistance can often prove to be quite expensive. This coverage option is designed to cover these costs if your vehicle breaks down on the road.
- Contents insurance: Because you will be using your RV as a home, you are likely to have valuable personal property inside it. This can include everything from the clothes you pack for a trip to your, electronic, décor and built-in appliances. If your RV is burglarized or if your property is damaged by a covered event, contents coverage will frequently compensate you for your losses.
- Full-timer liability insurance: If you live in your motorhome several months out of the year, or even year round, you may want to consider this coverage. It is designed to provide you with the same liability coverage that is typically offered by a traditional homeowners insurance policy.
- Campsite liability insurance: Also sometimes called vacation liability insurance, this coverage is similar to full-timer liability coverage but is designed to cover a much shorter period of time. You can purchase this coverage for the times that you are living in your motorhome on a campground, such as during a week-long vacation.
What Types of Recreational Vehicles Does RV Insurance Cover?
Recreational vehicles come in a number of different types and styles. Towable campers, such as fifth-wheel trailers, are often referred to as RVs. However, because they are not actual motorized vehicles, they need to be covered by a trailer insurance policy. The types of motorhomes that you would insure with an RV insurance policy include:
- Class-A RVs: These vehicles have the outward appearance of a large bus and are considered the top-of-the line motorhomes. Class-A RV’s include many of the amenities you would find in an apartment, such as a kitchen, bathroom, bedrooms, climate control and even a laundry area. They range from about 24 to 40 feet in length, and typically weigh between 15,000 and 30,000 pounds.
- Class-C RVs: These vehicles have the outward appearance of a truck and are similar to Class-A vehicles in terms of amenities, though they usually have a smaller living area. Unlike the Class-A vehicles, Class-C RVs have a separate driving compartment with an overhead bunk over the truck cab. These vehicles typically weigh between 10,000 and 15,000 pounds.
- Class-B RVs: These are the smallest of the three types of RVs. Though they have close living quarters, they are much more affordable and maneuverable than their larger counterparts. Built on a van chassis, these motorhomes sometimes offer pop-up or pop-out camper features to increase the amount of living space.
Are RV Insurance Quotes High in Oregon?
RV insurance quotes can vary greatly from one policy to the next. They are calculated according to several factors, such as:
- the type of the RV you own
- the age of the RV and its purchase price
- the average number of miles you drive it each year
- how much time throughout the year you will be using it as a home
- the amount of coverage you wish to purchase and the amount of your deductible
- your driving record and credit history
In general, you can expect rates to start at about $800 per year for a Class-C vehicle, and go as high as $4,000 per year for some of the more luxurious Class-A motorhomes. Because these rates can vary significantly from one insurer to the next, it is to your advantage to obtain at least three RV insurance quotes before making a selection.
Get Several Motorhome Insurance Quotes in Oregon
You may find shopping for an affordable and inclusive RV insurance policy to be a time-consuming and complex endeavor. Fortunately, an independent insurance agent in the Trusted Choice® network can make the process much easier for you. Your local agent can answer questions about your many options and help you assess your coverage needs. Your agent can then work with a number of different insurance companies to provide you with a selection of policies from which to choose.
There are several Trusted Choice agents with offices in Oregon. Find and contact an agent near you to learn more and to start comparing RV insurance quotes.