When it comes to RV insurance coverage, owners of recreational vehicles in Washington have nearly as many coverage options as they do campgrounds at which to enjoy their motorhomes. From RV parks that offer views of the Pacific Ocean, to campgrounds along Cultus Lake, RV owners can enjoy a variety of picturesque vacation retreats, all without ever leaving their home state. Appropriate insurance coverage for these homes-on-wheels is important, and because it tends to be a bit pricey, it is important that Washington residents compare a number of motorhome insurance quotes before selecting a policy.
RV owners have multifaceted insurance coverage needs. This is because motorhomes must have vehicular-type coverage during the times that they are being used on the roads, but they also require homeowners-type coverage during the times that they are being used for housing.
An RV insurance policy provides both types of coverage in one convenient package. It also provides many other coverage options that are designed specifically to meet the unique needs of motorhome owners. As one of Washington’s RV owners, you can build an RV policy that is suitable for your specific circumstances.
RVs are, first and foremost, motor vehicles. Some things you can expect to find included with your policy that are related to vehicular coverage include:
Vehicular liability insurance: This is designed to compensate third-party victims of personal injury or property damage resulting from an accident for which you are at fault. Because RVs are large and heavy vehicles, these damages can be very costly, so it is a good idea to purchase liability coverage in an amount that is well over the state’s minimum requirements. You may even want to consider increasing your RV liability coverage with an umbrella insurance policy.
RV’s are also be used as homes so they need coverage for these times as well. Policy coverage that is related to home insurance includes:
Recreational vehicles come in a variety of styles and types. Fifth-wheel trailers and other towable campers are often referred to as RVs; however, because they are not actual motorized vehicles they would need to be covered by a trailer insurance policy. RV insurance is designed to cover motorized vehicles that can also be used as homes.
The types of motorhomes covered by RV insurance policy in Washington include:
Motorhome insurance quotes in Washington can vary significantly from one person to the next. You RV insurance rate will be calculated according to several considerations, including:
In general, you can expect rates average at about $800 per year for a Class-C motorhome, though they can go as high as $4,000 per year for some of the more luxurious Class-A motorhomes. Because RV insurance rates can vary considerably from one insurance company to the next, it is to your advantage to obtain at least three quotes before selecting a policy.
Comparison shopping for an affordable and inclusive RV insurance policy in the state of Washington can be a time-consuming and complex endeavor. Fortunately, when you opt to work with an independent insurance agent in the Trusted Choice® network, this process becomes much easier. Your local agent can answer questions about your many coverage options, help you evaluate your coverage needs, and then work with a number of different insurance companies to provide you with an assortment of policies from which to choose.
There are several Trusted Choice agents with offices in the state of Washington. Find and contact an agent near you to learn more and to start comparing RV insurance quotes.