When it comes to RV insurance, owners of recreational vehicles in Virginia have nearly as many coverage options as they do campgrounds at which to enjoy them. You can choose from a variety of quotes on motorhome insurance in your area. From RV parks in the Shenandoah Valley to campgrounds along the Chesapeake Bay, RV owners can enjoy a number of beautiful vacation retreats all without ever leaving their home state. Insurance for these valuable homes-on-wheels tends to be a bit expensive, so it is important that Virginia’s RV enthusiasts compare a number of motorhome insurance quotes and policy offerings before making a selection.
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The Benefits of Owning an RV
- 73% of RV owners state that they enjoy significant savings on family vacations.
- Travelling by RV can limit your exposure to illnesses and other health risks.
- RV ownership enables families to enjoy quality time together.
- There are thousands of scenic RV campgrounds located throughout the country.
- There are more than 120 RV parks in VA alone.
What Are the Different Types of Recreational Vehicles?
Recreational vehicles come in a variety of types and styles. Towable trailers, such as camper-trailer and fifth-wheel trailers, are often referred to as RVs. However, because they are not motorized vehicles, but instead must be towed, this type of camper-home would 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: Weighing in at 15,000 to 30,000 pounds, the Class-A RVs are considered the top-of-the line in motorhomes. The vehicles include many of the amenities you would find in an apartment such as a kitchen, bathroom, bedrooms, laundry units and climate control. They range from about 24 to 40 feet in length and are the same in outward appearance as a large bus.
- Class-B RVs: These are the smallest of the three types of RVs. They are a great option for those who are on a budget and do not mind close living quarters. Built on a van chassis, these motorhomes sometimes offer pop-up or pop-out camper features to increase the amount of living space. Class-B motorhomes offer the best maneuverability on the road of all RV types but are not ideal for long-term living arrangements.
- Class-C RVs: Weighing between 10,000 and 15,000 pounds, these large RVs are similar to Class-A vehicles but usually have a slightly smaller living area. They too have many of the amenities of an apartment. Unlike the Class-A vehicles, Class-C RVs have a separate driving compartment with an overhead bunk over the truck cab. They have the outward appearance of a truck.
What Is RV Insurance?
Virginia’s RV owners have distinctive insurance coverage needs because they need vehicular coverage during the times that they are driving their motorhomes from one location to another, but they also need homeowners-type coverage for the times that they are living in their vehicles.
Recreational vehicle insurance provides both types of coverage. It also adds in other coverage considerations that are unique to RV owners, like campsite liability insurance. Most insurers offer a variety of coverage options, and this enables RV owners to build policies that are perfect for their specific circumstances.
What Coverage Options Do RV Owners in Virginia Have?
RV insurance policies come with a number of coverage inclusions and options. The options, offers, and automatic policy inclusions may vary from one insurance company to the next, so it is very important that when you compare RV insurance quotes in Virginia, you also compare the policies. While one policy may come at a much lower rate than another, it may not afford as much coverage.
Coverage types you can expect to find include:
- Vehicular liability insurance: This provides compensation if you cause an accident in which a third party is injured or suffers property damage. Because these large, heavy vehicles can cause a great deal of damage, it is strongly recommended that you either purchase liability coverage in an amount that exceeds the state-required minimums or supplement your RV policy with umbrella insurance.
- Collision insurance: This provides compensation for necessary repairs to your RV if it is damaged in a collision.
- Comprehensive insurance: This provides compensation for any loss or damage to your RV that is caused by non-collision related external forces. This includes such damage-causing events as fire, severe weather, falling objects, theft and vandalism.
- Roadside assistance: Recreational vehicles have distinct towing and roadside support needs and this specialized aid can often prove quite costly. If you purchase roadside assistance coverage, you will have coverage for this type of help if it is needed.
- Contents insurance: Because you will be using it as a home, you are likely to have your RV filled with valuable personal property. This can include everything from the clothing you pack up as well as your appliances, electronics and even carpeting, curtains and other décor within your vehicle. If your RV is burglarized or if property is damaged by a covered event, contents coverage will compensate you for your loss.
- Full-timer liability insurance: If you live in your motorhome long-term, you may want to consider this coverage. It will provide you with the same liability coverage that is typically provided by a homeowners insurance policy.
- Campsite liability insurance: This is similar to full-timer liability coverage but it covers a much shorter period of time. You can purchase it for the times that you are living in your motorhome on a campground, such as during a week-long vacation.
When purchasing your coverage, you may want to consider including total loss replacement and replacement-cost coverage for your personal property. While these coverage options will lead to higher coverage rates, they can prove quite beneficial if your RV suffers a total loss.
If you are uncertain about exactly what each option entails or if you are having trouble determining which coverage types are right for you, you might benefit from seeking the advice of an independent insurance professional.
Are RV Insurance Quotes High in Virginia?
RV insurance quotes can vary greatly from one company to another. Insurance companies calculate your quote according to several considerations, among them:
- The type and value of the RV you own
- The number of miles you plan drive it each year
- How frequently you expect to use it as a home
- Your driving record and credit history
- The amount of coverage you opt to purchase, and
- The amount of your deductible.
In general, you can expect your rates to start at about $800 a year for a Class-C vehicle, and they can exceed $4,000 a year for some of the more luxurious Class-A motorhomes. Because these rates can vary significantly from one insurer to the next, it would be a good idea to obtain at least three RV insurance quotes before making a purchase.
Get RV Insurance Quotes the Easy Way
You may find shopping for a suitable, yet affordable, RV insurance policy to be a time-consuming and often complex endeavor. Fortunately, an independent insurance agent in the Trusted Choice® network can make the process much simpler. Your local agent can help you understand your many options, assess your coverage needs, and compare a selection of policies that fit your lifestyle and motorhome.
There are several Trusted Choice agents with offices in Virginia. Find an agent near you to learn more and to start comparing RV insurance quotes.