People often travel long distances in their RVs, treating them as second homes. As a form of transportation, state minimum insurance coverage is necessary for RVs- however, there are some special insurance needs and options when it comes to covering all bases in insuring an RV.
- What is the most basic RV insurance? How does it differ from car insurance?
The most basic insurance coverage available for RVs is comprehensive and collision coverage, which can be provided by many auto insurance companies. The difference between insuring an RV and insuring a regular motor vehicle is that the living quarters of the RV contain personal effects that require additional insurance in order to assure adequate coverage. Liability and loss of personal belongings are not covered by policies offered by most auto insurers.
- What other types of insurance may be appropriate for an RV?
The amount of use the RV gets and the personal effects it generally contains are relevant to the types of insurance coverage that would be appropriate. Two of the most commonly used specialty insurances for RVs are liability insurance and personal property insurance. Liability insurance ensures that any damage caused by the RV to the property of someone else for which the owner of the RV would normally be liable is covered. Personal property insurance covers damage or loss to personal belongings. For people who use their RV as a full time home, full-timers insurance is available. This covers personal belongings, comprehensive personal liability and some living expenses.
- What companies offer RV insurance?
Specialized RV insurance is available through a variety of sources with coverage and cost depending on a variety of factors including the type and model of the RV, the insurance laws in the state of policy issuance, other vehicles on the plan, driving history and level of coverage. Some of the most highly recommended companies for RV insurance include:
- Good Sam VIP Insurance
- Explorer RV
- RV America
- Twin Peaks Insurance
- What other considerations should be taken by owners of RVs?
Some primary considerations that should be taken include maintaining the safety of the vehicle, its occupants and other people on the road by driving safely and using carbon monoxide, smoke and gas detectors with regular battery changes. Propane systems should also be maintained to prevent incident. When traveling internationally, RV owners should be aware of the efficacy of their insurance in the country in which they are traveling. For individuals who are renting an RV, consideration should be given to the insurance policy chosen for the rental duration, as options beyond those offered by the renter are available.
As with all automotive insurances, it’s important to take the time to compare rates and insurance coverage with different providers in your area. Depending on your prior driving history, age and state, you will find a wide range in pricing and policy premiums.
Thanks to the internet, we can rely on insurance coverage comparison sites to discover the many different policies that are out there and can compare quotes with a lot more ease. Make sure you don’t take the first policy that looks good to you, as many companies will lower their rates if you contact them directly with competitor rates.
This article was written by Paula, who writes about auto insurance coverage. You can view some of her publications by clicking here.