RV Insurance And its Coverage- A beginner’s Guide

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RV Insurance And its Coverage- A beginner’s Guide

RV insurance offers protection to your recreational vehicle (RV) and gives you peace of mind. If you’re confused and want to know about RV insurance;what type of vehicle it implies upon, and what does it offer in the hour of need, this article will solve all your queries about RV insurance and its coverage. lets get started

 

What is RV insurance?

RV insurance is the type of insurance that gives protection to your recreational vehicles, such as motorhomes, camper vans, bus conversions, travel trailers, fifth wheels, etc. You can choose from a wide range of coverage, that will in return provides protection to your vehicle.

You need RV insurance if you are driving your motorhome, but if you are not driving your motorhome itself and only towing it with your car, you won’t need RV insurance because your auto insurance will cover your liability.

The RV includes various types of vehicles and is organized by classes. The class of your vehicle will determine whether you need RV insurance or not.

The different classes of RV insurance are as follow:

 

Class A

This class includes vehicles that are more than 20 feet long and can be up to 75 feet long, for example, luxury coach, motorcoach, and converted buses.

Because the vehicles in this class, are able to travel the roads without towing, you will require motorhome insurance before taking them to the open road.

 

Class B

This class includes small size RV i.e., camper vans, travel trailers, etc. These vehicles need camper insurance. It is recommended that you should at least cover for the state’s liability minimums.

 

Class C

These vehicles are also known as cab-overs and are built on chassis of another vehicle like a van or a truck. As the class C vehicles are drivable, it would require RV insurance.

Also read: Does Car Insurance Cover Natural Disasters?

 

Why do you need RV insurance?

RV insurance is important because your motorhome is expensive, and you want to protect it if any accidents happen. Also, if you own a motorhome, which can be driven on its, and not towed, it is mandatory for you to have at least the state’s liability minimums. If you fail to carry liability insurance, your license can be canceled, you can face fines or even jail times.

So, it is important to have basic RV insurance. You can ask about your state’s minimum requirements from your agent.

But if you are an owner of a travel trailer, getting RV insurance is not important for you.

 

How does RV Insurance work?

RV insurance works by protecting you and your vehicle by paying for the damage. When you go shopping for RV insurance, your agent will ask about you, the type of RV you own, and the frequency of usage. Then you select the coverage which suits you best.

 If your vehicle gets damaged or someone else’s vehicle is damaged by you, you will file a claim with your insurance company. If you have enough coverage for your filed claim you will be paid for your damages or injuries, within the limits of your coverage.

 

How much RV Insurance Costs?

The cost of your RV insurance depends upon various factors such as what type of RV you use, how you use it, and your previous history of accidents and claims.

The more the coverage your RV insurance provides to you, the higher will be the prices.Class A vehicles are most expensive with more coverage while class B is least expensive when it comes to getting your RV insured, Class C lies between the middle of both.

 

What does the RV insurance cover?

These are a few things your RV insurance can cover for you when you need it:

 

1- Collision

Collision, covers for your damages, if you are in an accident or hit another vehicle or object, even it’s your fault or not.

 

2- Comprehensiveness

This is also known as “other than collision”.This coverage can cover various costly incidents that can happen to your vehicles such as the damages that are caused to your RV by falling objects, vandalism, theft, storms, floods, and other natural disasters.

 

3- Property damage liability

If you cause damage to someone else’s property or vehicle, RV insurance will cover the damages and will pay on your behalf. This is a requirement for most states.

 

4- Uninsured or underinsured motorist

Even you have enough insurance to protect your vehicle you don’t know that the other drivers have RV insurance or not, so you need to be covered yourself if you met in an accident with a person who is not insured or underinsured.

This coverage will provide you protection against the damages caused to you, your vehicle, or your passengers, by the drivers who don’t have liability coverage and don’t have enough money to pay for your damages. This insurance protects you from covered hit-and-run accidents.

Protecting yourself against underinsured drivers is also important. The underinsured motorist laws are different for different states.

 

5- Bodily injury liability

This coverage helps you in situations if you cause an accident and injured someone. It pays the medical bills of the injured. This liability coverage is necessary for most states.

 

6- Roadside assistance

Some of the RV insurance can also provide you roadside assistance. It covers dead battery replacement, fuel delivery, mechanical breakdowns, and flat tires.

 

7- Total Replacement Cover

If your RV is totaled in some accident, your RV insurance can pay you for a brand new one, if this is included in your coverage.

 

8- Safety Glass Replacement

If you have this coverage, your insurance company can pay for the replacement of your RV or motorhome’s windshield.  

Also read: Do I still need insurance for a car that doesn’t run?

 

Wrapping Up

If you are an owner of an RV, you should get RV insurance. Because your recreational vehicles are very expensive and also have some valuable properties. So if you are not insuring your RV, you are making a big mistake.

RV insurance can offer protection to you and your vehicle in case of an accident. So, in a nutshell, getting RV insurance is as important as getting auto insurance or home insurance.