RV Insurance in Wyoming
Experts break down RV insurance costs, coverage, companies, and more in Wyoming.
Wyoming is one of the most beautiful camping destinations in the U.S., and includes two of the most well-known national parks, Yellowstone and Grand Teton. You can protect your recreational vehicle during a visit with an RV insurance policy that is designed for the make and model of your RV and the way you use it.
RV insurance comes in many shapes and sizes, so it's best to work with a local independent insurance agent who is familiar with the top-rated carriers in your area and knows how to shop RV insurance quotes in Wyoming.
How Much Does RV Insurance Cost in Wyoming?
RVs are convenient because they allow you to combine your home with the ability to travel. However, once you combine your assets and your vehicle, you have more at risk should something go wrong. While RV insurance can range from several hundred to several thousand dollars, it's common for coverage to be more expensive than traditional auto insurance.
Your personal RV insurance premiums will depend on numerous factors that the insurance carrier will calculate when quoting your coverage:
- The make, model, and age of your RV
- Your driving history and whether you've driven an RV before
- Where you live
- Where you travel with your RV
- The amount of coverage you need
- The type of coverage you purchase
- The value of the assets inside your RV
A large factor will also be how frequently you use your RV. The coverage for a tow trailer that is used three or four times a year will be less expensive than full-timer coverage for someone who is living in their RV.
Is RV Insurance Required in Wyoming?
Not all RVs are motorized vehicles, but the ones that can be driven are required to meet Wyoming law. The state requires that all vehicles that will be driven on the road have liability coverage. The minimum requirement is
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $20,000 per accident for property
It's always a good idea to work with your independent insurance agent to ensure that you have the right amount of coverage. For full-timers, the minimum liability coverage will most likely not provide enough coverage in the event of a serious accident.
What Kind of Coverage Can an Independent RV Insurance Policy Provide in Wyoming?
RV insurance is highly customizable and includes basic policies and add-ons that can fill any gaps in your coverage. A basic RV insurance policy that is comprehensive enough to cover most incidents includes the following:
- Liability insurance: This covers the cost for any property damage or third-party bodily injuries that result from an at-fault accident.
- Collision insurance: This covers the cost to repair or replace your RV if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive insurance: This covers the cost to repair or replace your RV if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Contents coverage: This covers your personal items inside your RV, including clothing, jewelry, added furniture, or appliances.
- Uninsured/underinsured motorist insurance: This covers any costs associated with an accident with another driver who does not have adequate coverage to pay for the damage they cause to your RV.
Additional policies to discuss with your independent insurance agent include:
- Vacation liability coverage: This pays for any damage you cause to property or another person while visiting a campsite.
- Full-timer coverage: If you live in your RV full time, then you need coverage that more closely resembles a homeowners insurance policy.
- Towing and roadside assistance: This policy helps cover the costs associated with towing your RV, which can be expensive, since they typically require specialized towing.
Since liability insurance is the only required coverage for RV owners, you'll be left highly exposed if you do not purchase additional coverages. Without collision or comprehensive insurance, you won't be covered for damage to your vehicle in an at-fault accident or for an event like a flood. Your agent can make sure that you have all the coverage you need to fit your RV lifestyle.
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What Is RV Gap Insurance in Wyoming?
Purchasing a brand-new RV is like purchasing a brand-new car, as soon as you drive it off the lot, it depreciates in value. If you took out a loan for the full asking price of your RV, it's likely that there will be a short period of time where the value of your RV will be lower than the amount you owe on your loan.
In the unfortunate event that you total your RV during this time, you wouldn't receive enough from insurance coverage to pay the full amount you owe on the RV. To bridge this gap, there's gap insurance, which would pay the difference between what you owe and the value of your RV.
Gap insurance is typically only useful for brand-new RV owners until the loan and the vehicle value are the same.
Wyoming Health Insurance for RVers
You may not think about health insurance when you're planning your RV trips, but it's important to know whether you can visit a local hospital if you're traveling out of state and something goes wrong. If you're a full-timer you may need to consider how you'll receive prescriptions or important mail without a permanent address.
A local independent insurance agent can help you secure health insurance that fits your RV lifestyle.
What are the Best Insurance Companies in Wyoming
RV insurance is a popular type of coverage, so comparing carriers and policies can help save you money. There are a number of highly-rated carriers located across the state, and a local independent insurance agent will know the best RV insurance companies in Wyoming.
A quality RV insurance carrier has affordable prices, great customer service, and reliable coverage. As a consumer, it can be difficult to differentiate between the good and the bad, but insurance agents work with these carriers every day. They'll shop RV insurance quotes for you and guide you in selecting the best company.
Why Shop RV Insurance with a Wyoming Independent Insurance Agent?
Traveling via recreational vehicle provides a sense of freedom and flexibility. With those benefits comes an increased risk of driving or towing a more complicated vehicle. Every RV is different, which is why every person's coverage needs to be unique to their needs. A Wyoming independent insurance agent can answer your questions and take the hassle out of finding an affordable policy.
Agents will chat with you, free of charge, to learn about your RV and your plans for use and will recommend coverages and carriers to work with. They can help guide you in selecting coverages and are there to adjust your policy anytime you need. Work with a local independent insurance agent to shop RV insurance quotes in Wyoming today.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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