Recreational Vehicle Insurance
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Recreational Vehicle Insurance Information
Recreational vehicle (RV) insurance is an important protection to have in place when you own a motorhome. RV insurance may help cover the cost of unexpected incidents such as hail damage, an accident with another vehicle or theft.
What Is RV Insurance, and Why Is It Important for RV Owners?
RV insurance is designed to protect owners of recreational vehicles, such as motorhomes, camper vans, travel trailers and fifth-wheel trailers. RV insurance is also essential because many states require motorhomes to have a certain amount of bodily injury and property damage liability. However, it may not be a requirement for a travel trailer because it is not motorized. If you are financing a travel trailer, you may still need specific insurance coverage to meet your lender’s requirements. Many lenders will require you to carry specific coverages (e.g., comprehensive and collision), no matter if you are financing a motorized or nonmotorized vehicle. Even if legal or lender requirements do not apply to your situation, you should still consider a robust RV insurance policy to help protect yourself from paying for costly claims out of pocket.
Are There Different Types of Coverage Under RV Insurance?
RV insurance policies for motorhomes may include the following coverages:
- Collision insurance may help cover the cost of damages if you are involved in a collision.
- Comprehensive insurance may help cover damages unrelated to a collision, such as theft, weather damage or vandalism.
- Bodily injury and property damage liability may help pay for property damage or bodily injuries you cause while driving your RV and may help cover legal fees resulting from such an accident.
- Uninsured/underinsured property damage and bodily injury may help pay to repair or replace your RV in an accident with an at-fault driver who doesn’t have the appropriate insurance coverage. These coverages may also help cover medical expenses for bodily injuries you suffer from these accidents.
- Medical payments coverage may help cover medical expenses for you and your passengers if you are in an accident involving your RV, regardless of fault.
Additional coverages to consider include the following:
- Roadside assistance
- Safety glass replacement
- Towing and labor
- Vacation liability
What Are the Classes of RVs, and How Do They Affect Insurance?
RVs come in various classes, including motorhomes, travel trailers, fifth-wheel trailers and pop-up campers. Different classes may also have specific coverage requirements and usage considerations, influencing insurance rates. Contact Boyer Insurance to discuss your RV and its intended uses to ensure you have the appropriate coverage and budget.