Sometimes deciding between the comforts of a home and the thrills of the open road can be a tough call to make. RVs or Recreational Vehicles are the perfect combo for folks who can’t decide. You get all the beauty of the open road, plus a bed and maybe even a nice little kitchen.
Finding top coverage for your big rig is a journey that no traveler should go alone. Our independent insurance agents will be there to guide you through all your options to make sure your rolling home is protected. After all, you’ve got other things to think about, like which Dakota to see first, North or South.
What type of RV (aka motorhome) insurance do you need? The answer depends on the type of RV you own. There’s variety out there and the perfect fit is all in the preference. Here’s quick list of common rigs. And don’t worry. No matter what ya got, we’ll help you protect it.
Despite the fact that many RVs are bigger than most apartments, they’re still basically an automobile. This means you should protect it like one. Since it’s typically filled with all sorts of homey belongings like a bed, dishes, maybe even a TV – your policy coverage needs will be more extensive. Think of it kinda like this:
Most US states require a liability policy at a minimum to cover property damage, medical costs and legal fees if you cause an accident. Several states go even further, requiring uninsured/underinsured motorists coverage in case you are hit by another driver who doesn’t have insurance, or enough to pay for the damage.
Another reason is your loan. Most likely you financed your RV through a bank. And, more often than not, the lender will require insurance for your RV in order to finalize the deal.
Required or not, we always recommend proper coverage, because there’s nothing worse than hitting a speed bump in a 5,000-pound machine.
Your RV insurance policy can cover a number of situations. In most cases, your coverage limits are typically up to you with the exception of areas with legal minimums. It’s important take the time to go over how you plan to use your RV with an independent insurance agent to make sure you have the coverage you need.
For convenience, RV owners may add coverage to their personal auto policy (PAP). However, this can leave a number of coverage gaps. It’s recommended that RVs have coverage that is more extensive with higher limits.
One big difference is if you use your RV occasionally for seasonal trips or as a permanent residence. For those who live on the road they will need specialized coverage called Full-timers coverage (See below.)
Now that we have that established, let’s start with some standard coverage options available:
Additional coverage options can include the following:
For full-timers, coverage options will typically have higher liability limits similar to a homeowners policy. Options can include the following:
Miscellaneous Coverage Features
Policies can carry a number of various coverages, which can typically be added through an endorsement.
Options can include the following:
The cost of your RV or motorhome insurance will depend on the type of coverage you choose, your state’s requirements and a few other key factors, like:
Unless you live completely out of your RV, you will most likely already have multiple insurance policies—from your car, to your home or maybe even your boat. Take those existing policies, bundle them up tight with your RV policy and you’ve got yourself a nice little discount. Pretty sweet, huh?
Plus, when you bundle with an independent insurance agent they can help you find an ideal carrier that will provide the right coverage for your home and all your outdoor toys, giving you a helpful RV policy discounts, simplify your insurance payments and make filing claims a total breeze.
Our awesome agents will review your needs and help you evaluate the RV coverage that makes the most sense. They’ll also compare insurance policies and quotes from multiple carriers to make sure you have the right protection in place.
Independent agents will walk you through a handpicked selection of policies from all the top RV insurance carriers. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you file a claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.