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RV Insurance for Your Vehicle – Free Quotes | Econosurance

A recreational vehicle, like a motorhome, travel trailer or camper, provides a lot of freedom of movement and is a great way to see the country. Some people even make it their permanent home. Whether you are going on a weekend getaway or planning a longer trip, make sure you and your vehicle are protected by appropriate insurance.

What are RV-s?

Recreational vehicles (RV-s) include motorhomes, campers, and travel trailers. RV-s come in many shapes and sizes. Motorhomes are typically divided into three classes based on their size:

Class A Motorhomes

  • Includes the biggest motorhomes and luxury coaches
  • Vehicles up to 75 feet long
  • Vehicles usually have living and dining areas and bathroom facilities
  • Come with slide outs (extra rooms) and extra storage

Class B Motorhomes

  • Includes the smallest type of coaches, camper vans, and travel trailers
  • Ideal for two to three travelers
  • Might have a small kitchen
  • Larger models include water heater, HVAC, portable toilet, internal shower

CLASS C RV-s

  • Includes fifth wheel trailers and pop-up tent trailers
  • Use standard cargo vans as the driving portion and the camper portion extends over the cab area
  • Described as a cross between class A and class B
  • Length between 20 to 40 feet
  • Typically not drivable or non-motorized

These are some of the most common RV subclasses:

  • Travel trailers – can be pulled by pickup trucks, SUV-s, and some minivans; up to 33 feet in length
  • Fifth wheel trailers – raised front section for more living space; up to 40 feet in length
  • Pop-up trailers – smaller and lighter with an expandable canvas top
  • Truck campers – units that slide onto the bed of a standard pickup truck

The class of your vehicle can help the insurance company decide how much coverage and which policy you are going to need.

Do You Need RV Insurance?

Normally, whether insurance is required by state law depends on whether the vehicle is motorized. If a state requires car insurance, that requirement also extends to motorhomes, campers, and vans that you can drive on the road. State laws may vary, but it is usually expected that you get at least minimum liability coverage to cover any damage or injuries you might cause to other people. Failure to provide liability coverage can lead to fines, a revoked license, and even jail time. Even if coverage is not required, it comes with many benefits and gives you a sense of security. 

An RV that is towed rather than driven, i.e., a trailer you need to hook up to a car or truck to move it, can be added to your car insurance. That way the liability coverage from your car insurance will also extend to any damage the attached RV might cause. However, other coverages from the car policy might not apply to the trailer, so you might still need additional RV insurance to protect it more fully. Considering that an RV is usually a hybrid between a car and a home, it is clear why it needs different insurance than car or homeowners’ insurance.

What kind of insurance you specifically need depends on the type of your vehicle and how often you use it. For example, a weekend camper would need different RV insurance than someone who travels across the state year round. If you plan to take out a loan to purchase an RV or want to rent it, you may be asked to get collision and comprehensive coverage.

What Does RV Insurance Cover?

As with most insurance policies on the market, some coverages are included in the basic policy while others are optional. However, it varies between insurance companies which ones specifically are already included in the policy and which ones are considered extras. Typically, the basic RV insurance includes:

  • Property damage liability – If you cause an accident, you will be covered for any damage you cause to another person’s property or vehicle. 
  • Bodily injury liability – If you cause an accident and other parties get injured, you will be covered for their medical costs and loss of income. 
  • Collision coverage – Irrespective of blame, you will be covered for any damage to your RV or trailer in a collision. This is typically required for financing and leasing of a vehicle or trailer.

These ones are also either already included in the standard package or commonly added to it:

  • Comprehensive coverage Damage to your vehicle or trailer, except when the cause is a collision, will be covered under this policy. This includes theft, fire, vandalism, floods, falling objects, and other natural disasters.
  • Uninsured or underinsured motorist coverage – In the event someone who does not have insurance or is underinsured causes the accident, you will be covered for losses related to physical injuries and property damage.
  • Medical payments – Irrespective of blame, if an accident happens, you and your passengers will have coverage for medical bills.

In addition to the standard insurance policies, there are several optional ones to consider. These include:

  • Towing and labor – If you require towing and labor because your RV breaks down, including any temporary lodging, transportation and meals, you will be covered.
  • Roadside assistance – If you want to have access to 24/7 emergency assistance, for instance, roadside assistance will provide support.
  • Vacation liability – Covers bodily injuries and property damages that occur while you are using your RV for vacationing.
  • Safety glass replacement – If your windshield glass cracks or shatters, you will have coverage for replacing it.
  • Personal effects replacement cost Any personal items and furniture in your RV that are damaged or stolen will be covered.
  • Custom equipment protection – Various custom equipment attached to your RV, such as custom flooring and audio devices, will be covered.
  • Pet coverage – When you bring along your pet(s), do not forget to insure them. This protection will cover veterinary bills if your furry companion gets hurt in a collision.
  • Full-timer’s RV insurance – If your RV is your permanent home, you might need to ask for more extensive coverage.

Reducing Insurance Costs

When purchasing RV insurance, insurance agents consider many factors to calculate your premiums. Keep these tips in mind to find the most competitive deal on the market:

  • Driving it full-time or part-time – If your RV is not in use or you are not driving it for a significant part of the year, ask for a discount or the ability to “turn off” some of the coverage while you are keeping it in one place.
  • Store safely – Where and how you store your RV will naturally affect the insurance rate. If you can store the RV in a safe and secure location when not in use, your premiums will decrease. 
  • Discounts – Always ask if you are eligible for any discounts. 
  • Drive carefully – One of the primary factors affecting insurance is the prior history of claims. Parking and driving tickets might also increase your premiums. A safe driving record is the best way to get a good deal.
  • Deductibles – If you have the funds set aside to cover your out-of-pocket expenses in an accident, then increasing your deductibles is a great way to save on your premiums. 
  • Get multiple quotes – Different companies can offer different coverage limits and packages, so get several quotes that you compare and choose from.

There is a lot to consider when picking out RV insurance. If you want to talk to an expert, you can email us. You can also request a free quote from our website.

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