When it comes to RV insurance, residents of Vermont have nearly as many coverage options as they do RV parks. From campgrounds along lovely Lake Champlain to sites with lovely mountain views such as the Stowe-Smuggler’s Notch, RV owners can enjoy scenic beauty and restful vacation retreats all without ever leaving the state. Insurance for these convenient homes on wheels can be a bit expensive, so it is important that RV owners in Vermont compare a variety of motorhome insurance policies and quotes before making a selection.
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RV and Motorhome Registration Fees in Vermont
- Owners must renew their registration annually.
- Gas-fueled RVs and motorhomes cost $65 to register.
- Diesel-fueled RVs and motorhomes cost $27 to register.
- RVs powered by all other fuels cost $113 to register.
Many of Vermont’s residents have discovered the joys of RV ownership, and over the last 20 years, recreational vehicles have been growing in popularity. For the past 15 years, the state has hosted an annual RV & Camping Show, as well as a Fall RV Show in Essex Junction. Recreational vehicles can range in price from $30,000 to more than $500,000, so it is important that owners cover these investments with suitable insurance policies.
There Are Different Types of RVs on the Roads in VT
There are different types of recreational vehicles that you may purchase. The type of RV you own can influence your insurance costs. These are the types:
- Class-A RVs: Considered the top of the line in motorhomes, these vehicles resemble buses and include a kitchen, bathroom, bedrooms and amenities such as climate control and washer/dryer units. They range from about 24 to 40 feet in length and weigh between 15,000 and 30,000 pounds.
- Class-B RVs: These are the smallest of the three types of RVs. They are an ideal option for those who don’t mind close living quarters and prefer to have better maneuverability on the road. These RVs, typically built on a van chassis, include pop-up or pop-out camper features to increase their size while stationed at a campground.
- Class-C RVs: These large RVs are similar to Class-A vehicles. They have many of the amenities of home but usually have a smaller living area than the Class-A types. They also weigh much less and are different in appearance. Class-C RVs have a separate driving compartment with an overhead bunk over the truck cab. They typically range from 20 to 44 feet in length and weigh between 10,000 and 15,000 pounds.
People often refer to towable trailers such as fifth-wheel trailers and camper trailers as RVs. However, because these pop-out type campers are not motorized vehicles, they are not included under RV insurance. To insure this type of camper, you will need a specialized trailer insurance policy.
What Is RV Insurance?
Vermont’s recreational vehicle owners have unique insurance coverage needs in that they need vehicular coverage for when they are driving their motorhomes from one location to another. They also need homeowners coverage for the times when they live in the RVs.
RV insurance combines these two coverage types and adds other coverage considerations unique to RV ownership such as campsite liability insurance. Most insurance companies have a variety of coverage options that allow RV owners to build policies perfect for their particular situation.
What Does RV Insurance Cover?
RV policies come with many coverage inclusions and options. The coverage types that are automatically included in a standard policy can vary from one insurance company to the next, so it is important that, when comparing RV insurance quotes in Vermont, you also carefully compare the policies themselves. Types of coverage you can expect to find include the following:
- General liability coverage: This will provide compensation if a third party suffers injuries or property damage as the result of an accident involving your RV for which you are responsible. It is a good idea to buy a large amount of liability coverage or supplement your policy with umbrella insurance.
- Comprehensive coverage: This will provide compensation for any loss or damage to your RV due to non-collision-related external forces such as weather, falling objects, fire, vandalism and theft.
- Total loss replacement: This is typically available only for RVs that are fewer than 5 years old. In the event of a total loss for any reason, RV owners with this coverage can receive a comparable replacement vehicle, even if the replacement vehicle costs significantly more than the value of the vehicle that was lost.
- Roadside assistance: RVs have special towing and roadside assistance needs, and these can often prove quite costly. Roadside assistance coverage will provide coverage for this type of help, if needed.
- Contents coverage: Much like your home, your RV will be loaded up with valuable personal property. This can include the clothing you travel with, as well as appliances, electronics and even carpeting and window treatments in your vehicle. This coverage will compensate you if someone burglarizes your RV or if a storm or fire damages your property.
- Replacement cost of personal property: This addendum to the contents coverage portion of your policy will permit you to receive the replacement value of any lost or damaged property, regardless of its actual, depreciated value.
- Full-timer liability: This provides the same liability coverage typically found with a homeowners insurance policy to those who live in their RVs full time or more than six month out of each year.
- Campsite liability: This provides the policyholder full liability coverage for a specified amount of time. This provides the same liability protection as would a homeowners policy during the times that you are temporarily using your RV as a residence.
If you are uncertain about which types of coverage are right for you or what some coverage options entail, you may benefit from seeking advice from an independent insurance professional.
How High Are RV Insurance Quotes in Vermont?
Quotes for motorhome insurance policies can vary greatly from one person to the next. Your rates will be calculated according to the type and value of the RV you own, the number of miles you drive it each year, the frequency of use, your driving history and several other considerations. These are some estimated costs:
- Projected cost to insure a Class-A type RV: $1,000 to $4,000 per year
- Projected cost to insure a Class-C type RV: $800 to $3,000 per year
- Average cost of insurance from an RV rental company: $15 to $75 per day, depending on type
If you use live in your RV full time or travel in it frequently, you can expect to pay higher rates than if you just use it for an annual vacation or an occasional weekend trip.
The only way to know exactly how much a suitable policy will cost you is by comparing quotes from at least three insurance providers. Recreational vehicles require a large financial investment, so it is to your advantage to make sure that the policy you choose provides all the coverage you need and comes at a reasonable rate.
Where to Find Coverage
Finding an RV insurance policy that is suitable to meet all of your coverage needs and requirements can be particularly complex. An independent insurance agent in the Trusted Choice® network can make comparison-shopping easy. Your agent can help you assess your coverage needs, understand your coverage options and compare a selection of policies to find the one that is right for you.
There are thousands of member agents across the county, and many can be found right here in Vermont. Contact an agent near you to learn more about RV insurance for your motorhome.