The open road is calling. Whether you are heading to the coast or traveling the Great Plains, be prepared with insurance coverage for your motorhome. What motorhome or RV insurance is right for you? The answer depends on the type of RV you own.
To find out what RV insurance is best for your vehicle and your needs, talk to a Trusted Choice®member agent. A local professional can compare motorhome insurance quotes and work with you to find the coverage that best meets your needs.
RV insurance (also known as motorhome insurance) covers the cost of repairing or replacing your vehicle after an accident. Liability coverage is required in most states and covers property damage, medical costs and legal fees if you cause an accident. Several states also require uninsured/underinsured motorists coverage. This coverage insures you in the event that you are hit by a driver who does not have insurance, or does not have enough to pay for your damages.
When you are preparing to buy an insurance policy, the types of insurance and amounts you need should be based on how you use your motorhome. If the vehicle serves as your residence full time, you will need greater coverage than if you only occasionally use it for a trip or two during the summer. For example, as a full-timer, you will need liability coverage that is similar to your homeowners insurance to cover you if someone is injured on your “property” (which in this case is on wheels).
Full-timers who keep all of their belongings in their motorhome should also consider personal property coverage. Just as you would want your home policy to include coverage for your belongings, valuables, jewelry and collectibles, your RV insurance policy should include that too.
On the other hand, if you only use the RV seasonally, you will need to consider how to insure it when it is not in use. How you store your motorhome will make a difference for your insurance needs, depending on the climate, weather hazards, and risk of theft and vandalism where you live.
Your motorhome insurance cost will depend on the type of coverage you buy and your state requirements. There are other factors to consider as well, such as:
Searching for online insurance quotes for your RV insurance is a great way to start saving. You can quickly get a general idea of what you will be spending on your motorhome insurance coverage, but you might still have questions. The great news is that there are agents in the Trusted Choice network standing by, ready to help you get the policy you need.
A local independent agent in the Trusted Choice network will find an insurance company that offers the coverage you are looking for and supply free quotes. Your Trusted Choice member agent can not only compare plans from multiple companies to find the right fit for you, but can also look for all available discounts and customize an RV insurance policy just for you. Contact an agent today to get started.