Wyoming is arguably the most scenic state in the U.S., so it's no wonder that RV owners love camping here. You can protect your RV with an RV insurance policy tailored to the type you own and the way you use it. Quotes on motorhome insurance are not hard to find, and with the right policy, you can travel the Wyoming wilderness and highways with peace of mind.
Motorhomes Are Big Business
- The U.S. is home to more than 12,000 RV-related businesses.
- RV-related spending totals more than $37.5 billion annually in America.
- More than 250,000 U.S. residents work for RV-related businesses.
Whether you're renting a motorhome in Jackson Hole, WY, or buying a new ride in Casper, WY, your RV purchases support local American businesses and workers.
What Types of RVs Need Insurance?
To meet state requirements, all motorized vehicles, including RVs, must carry liability insurance, at the very least. Liability insurance can protect you from the cost of a bodily injury claim or property damage claim against you, up to the limits on your policy. Because RVs are large and can do great damage in an accident, it is usually a good idea to purchase as much liability coverage as you can afford. The following types of RVs must carry at least the WY state mandated liability coverage:
- Class A
- Class B
- Class C
- Bus Conversions
If you finance your RV, the lender will probably require that you carry collision coverage and comprehensive coverage. This can help cover the cost of damage from an accident, storm, vandalism and theft. Other types of motorhome coverage you may need include these:
- Uninsured/underinsured motorist: To help pay the cost of an accident caused by an underinsured driver
- Roadside assistance: To cover towing and assistance far from home
- Contents coverage: To insure the items and equipment you keep in the RV
- Full timers coverage: To give you the same level of protection as a homeowners policy
Trailer-style RVs, like travel trailers, fifth wheels, toy haulers and truck trailers, do not require liability coverage, according to state law. However, it may be a good idea to get trailer insurance for your towable RV to protect your investment and to guard your finances against the possibility of a lawsuit. If you keep expensive bikes, generators, electronics or tools in your trailer RV, you may also need contents coverage so that you don't have to worry about the costs related to theft or accidents on the road.
The Cost of RV Insurance
Rates vary from person to person, so the best way to get reliable quotes is to work with a local agent. Your premiums will depend on a variety of factors, such as the following:
- The type and age of your RV
- Your driving history
- Where you live
- Where you travel
- How much you use your RV
You may be able to get discounts on your motorhome insurance policy by bundling your coverage with your auto insurance, homeowners and business policies. You can also choose to carry a higher deductible or lower coverage limits to get lower prices. Just make sure your savings account is ready to handle an unexpected accident or legal claim.
Find the Best Price on Motorhome Insurance
Captive insurance agents are limited to the policies and prices of one insurance company. On the other hand, independent insurance agents are free to shop quotes from different insurance providers. A local, independent agent in the Trusted Choice® network can help you decide on coverage based on your RV usage and your desired level of protection. Let an agent find the best policy for you at the best possible price.
Contact an independent agent right here in Wyoming for a great deal on RV insurance.