Traveling in an RV provides a certain level of freedom that most people can’t find anywhere else. But enjoying that freedom usually comes with a hefty price tag – and like most expensive pieces of property you own, if you don’t protect it with insurance coverage, you could face some serious financial troubles if the worst happens. That’s why RV insurance coverage is available from most insurance providers.
It doesn’t matter whether you own a Class A, B, or C vehicle. Likewise, it doesn’t matter whether you drive it yourself or whether you hitch it to a vehicle. If you’re trying to take out coverage on a camper, a motor home, a travel trailer, or even a camper van, there is a recreational vehicle insurance policy out there for you.
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RVs can be tricky to insure sometimes based on the fact that they can be both an automobile and also a “home away from home”. Because of this, you don’t just have to worry about protecting the vehicle itself – you have to worry about your property inside, too. Additionally, things like plumbing and gas (for cooking) are concerns which most auto policies don’t cover. But if you educate yourself on what kind of coverage you need, you can find the best RV insurance quotes that meet your budget and save big.
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Most RV insurance policies will include coverage against theft, collision, property damage, and accidents with uninsured/underinsured motorists. That all sounds pretty comprehensive, but there are additional coverages you can add to your policy to make sure that your RV is protected in every situation. These include:
- Total Loss Coverage. This works a lot like Gap Insurance for automobiles. With Total Loss Coverage, if you total your RV, your insurance company will pay the full retail price of your vehicle (instead of its depreciated cost) so that you can replace it right away after an accident.
- Emergency Expenses Coverage. RVs were made for traveling, which makes the likelihood of an accident or a breakdown far from home much more likely. And with Emergency Loss Coverage, if this happens more than 60 miles from home, your insurance company will cover any expenses associated with getting you home.
- Vacation Liability Protection. If you park your RV and use it as more of a home than a vehicle (while on vacation), then this type of coverage should be on your policy.
- Replacement Coverage. Worried about criminals breaking into your RV and stealing your property? This type of coverage will pay for the replacement of personal belongings.
- Roadside Assistance. If you purchase roadside assistance coverage, you won’t need to buy a towing plan separately. Simply make one phone call (toll-free), and such services as towing, roadside service, locksmith service, flat tire change, and jump starts will become available to you. There are no additional expenses, and it doesn’t matter who’s driving your RV at the time that you call.
- Full-Time Coverage. If you live in your RV full time, then you should look into this type of coverage also. Think of this option as a homeowner’s policy for your RV. Most auto insurance plans won’t provide protection while your RV is used as a residence. But this option will provide you with the extra coverage you need.
You can cover more than just a recreational vehicle with an RV policy — motor home insurance, travel trailer insurance and camper insurance are also insurable. With your RV policy, you can protect any kind of recreational vehicle you own. Spend your time traveling and enjoy it with the knowledge that you’re fully protected. Check out our cheap RV insurance prices!