With five national parks, as well as national forests, national recreation areas, state parks and hundreds of private campgrounds and parks, Utah is an RV owner's paradise. Whether you use your RV only a few times a summer or you're a full-time road warrior, taking your RV wherever the road may lead, only a comprehensive RV insurance policy can protect your traveling vacation vehicle.
Before you search for RV insurance quotes, however, there are several factors to consider.
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RV Statistics at a Glance
According to the National Recreational Vehicle Association:
- 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.
- Approximately 8.9 million households own an RV.
- More RVs are now owned by those aged 35 to 54 than any other group, according to a University of Michigan study.
Am I Required to Carry RV Insurance in Utah?
If your RV is driven rather than towed, UT state law requires you to carry minimum liability insurance on it. State law also requires RVs and motorhomes to undergo safety inspections and registration before they can be legally driven on public streets and highways.
It is always a good idea to check with your local Department of Motor Vehicles to find out which laws and requirements apply to your particular RV.
It's also important to remember that the minimum requirements may not be adequate coverage to protect you from accidents or injuries caused by the operation of your RV.
Can I Find Insurance for My Particular RV?
If UT requires you to register your RV, motorhome or camper, chances are that insurance providers in the state have a policy just for you.
RVs are classified into two categories: motorhomes (motorized) and towables (towed behind the family car, van or pickup).
- Type A motorhomes are generally the largest.
- Type B motorhomes or van campers are the smallest.
- Type C motorhomes generally fall in between.
Types of towable RVs are folding camping trailers, expandable trailers, truck campers, conventional travel trailers and fifth-wheel travel trailers. Sports utility RVs (also sometimes called "toy haulers"), which feature a built-in garage for hauling cycles, ATVs or sports equipment, are available in both motorhomes and towable RVs.
What Does RV Insurance Cover?
Much like vehicle insurance, RV policy options include some familiar choices, including:
- Liability coverage: Can help pay for damages and injuries your RV causes another person.
- Collision coverage: Can help pay for repairs to your RV should it be involved in an accident.
- Comprehensive coverage: Can assist in paying for repairs to your RV should it be damaged be severe weather, theft or vandalism.
RV insurance also provides options unique to the vehicle and its uses, including:
- Campsite and vacation coverage: Helps protect you from damages and injuries that occur in your RV while it is parked at a campsite or resort.
- Full-timer coverage: This policy option is recommended for those who use their RV as a permanent residence. It operates more like homeowners insurance than vehicle insurance.
Why Is RV Insurance Important?
Given the average cost of a typical RV, these vehicles are a considerable investment for most households. You not only want to cover your losses in the case of an accident, but you also want to protect your assets from being subject to a lawsuit should you be sued for damages.
As RVs are often far heavier than a typical passenger vehicle, accidents involving these larger vessels often cause significant damage that can cost thousands of dollars. Only a comprehensive RV insurance policy can help you recover quickly from a devastating accident.
What Will My RV Insurance Quote Look Like?
Because there is such a wide variety of RVs on the road, with varying degrees of size and value, no two RV insurance quotes may look alike. Most insurance companies will take a number of factors into consideration when they calculate your quote, including:
- Your RV's class: Class A models have the highest quotes, followed by Class C, while Class B RVs generally yield the lowest quotes.
- How you use it: RV insurance quotes for full-timers are significantly higher than quotes for those who use their RVs a few times a year.
- Your driving history: If you have a record of accidents or past insurance claims, your quote will be higher than someone with a blemish-free driving record.
For example, a Class A RV insurance policy may be quoted at around $2,000 a year or more, while a Class B insurance policy quote may be less than $1,000 a year.
Where Can I Find RV Insurance?
No matter whether your RV is big or small, or whether you use it every day or twice a year, the protection of an insurance policy designed for your RV can make your next vacation worry-free. Knowledgeable, independent insurance agents on the Trusted Choice® network are always available to answer your questions, suggest coverage options best suited for your RV and how you use it, and even assist you in filing a claim.
These agents have years of experience working with Utah insurance companies, enabling them to find you a number of quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice agent near you to find out how you can obtain an RV insurance policy that meets your needs and budget.