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.
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There Are Benefits to Vacationing in an RV
- In a survey of RV owners, 73% stated that they save a significant amount of money on family vacations
- Travelling by RV can limit your exposure to germs and illnesses to which you might be exposed on airplanes and trains and in hotels
- Families that are vacationing in an RV can spend a lot of quality time together
- There are thousands of picturesque RV campsites located throughout the United States
- There are 427 RV parks in the state of Washington, 57 of which can accommodate the largest RVs
What Is RV (Motorhome) Insurance?
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.
What Does an RV Insurance Policy Cover in WA?
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.
- Collision insurance: This is designed to cover the costs associated with the repair or replacement of your RV if it is damaged in a motor vehicle collision, regardless of fault.
- Comprehensive insurance: This is designed to cover the costs associated with the repair or replacement of your RV if it is damaged by a non-collision-related external event such as a fire, flood, severe weather, vandalism or theft.
- Medical payments insurance: Sometimes called PIP (personal injury protection), this is designed to cover the costs associated with necessary medical care if you or your passengers are injured in a collision, regardless of fault.
- Roadside assistance: This is designed to cover the costs of the specialized towing that would be necessary if your RV breaks down or becomes disabled while you are traveling.
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:
- Contents insurance: This is designed to cover the personal property, such as clothing and appliances, you keep inside your motorhome. You may be able to receive compensation for your losses if your RV is burglarized or your property is lost or damaged by a covered invent.
- Full-timer liability insurance: This is designed for WA residents who live in their motorhomes several months out of the year—or even year-round. It provides you with the same liability coverage that is typically found in traditional homeowners insurance policies.
- Campsite liability insurance: Sometimes referred to as vacation liability insurance, this coverage is similar to full-timer liability coverage but is designed to cover you for a shorter period of time, such as while you are on a vacation.
Types of Recreational Vehicles Covered by RV Insurance
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:
- Class-A: These are the largest and most expensive of the recreational vehicles on the market. They have the outward appearance of a large bus and include many amenities such as kitchen, bathroom and laundry facilities, at least one bedroom and climate control.
- Class-B: These are the smallest of the three types of recreational vehicles. They have the outward appearance of a large van and many include pop-out and pop-up camper materials to expand their living space when camping. Though small, they are more maneuverable than the other types.
- Class-C: These recreational vehicles are similar to Class-A RVs in terms of amenities, but they are usually a bit smaller. This type of motorhome has the outward appearance of a truck with a separate cab for the driver. You will typically find a bunk or storage space over the cab.
Are RV Insurance Quotes High in Washington?
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:
- the type of recreational vehicle you own
- your RV’s make, model, year and purchase price
- how frequently and how you use your RV
- the amount of and types of coverage you are purchasing
- the size of your deductible
- your personal driving record, claims history and credit score
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.
It is Easy to Find and Compare RV Insurance Quotes in WA
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.