RV Insurance FAQ

By Robert Lewis, InsWeb.com

Think you only need auto insurance for your RV? Think again. RVs and regular vehicles have vastly different insurance needs, and RV owners without RV insurance will likely find themselves high and dry in the event of a major disaster.

Comparing RV insurance quotes online is the easiest, fastest way to save on RV insurance.

What Is RV Insurance?

An RV is a house on wheels, and it needs to be insured like one.

RV insurance blends home and auto insurance coverage into a single form of coverage, protecting the RV against collision with other vehicles or objects, weather damage, vandalism, theft and more to the RV and personal items inside. It also offers liability protection.

RV insurance is usually purchased as an add-on to an existing auto insurance policy or as a separate policy from an RV insurance company.

Why Do I Need RV Insurance?

Traditional auto insurance isnt adequate for most RV owners. RV insurance provides coverage where auto insurance falls short. For instance, if a guest slips and suffers an injury in your RV, auto insurance wont cover any medical or legal expenses, but RV insurance will.

Additionally, not many vehicles have built-in entertainment centers, satellite dishes and awnings, but RVs do. And without an RV insurance policy, these valuables probably wont be covered against collision, fire, weather damage, theft or other perils.

RV Insurance Coverage Options

A standard RV insurance policy may include the following coverage options:

• Permanently attached items coverage Items permanently attached to the RV are covered, including tow kits, wheelchair lifts, satellite dishes, etc.
• RV replacement cost coverage If your RV is totaled or stolen and not recovered, you will be reimbursed with a new, comparably-equipped RV.
• Personal items coverage Many insurers offer $3,000 or more for personal items damaged, lost or stolen by a covered event, usually at no additional charge.

If your policy doesn’t include these options, search for one that does by requesting a free RV insurance quote.

Full-timers vs. Part-timers

The level of RV insurance you need depends on how often you drive your RV:

• Part-timers who use their RV seasonally can save money by suspending collision and liability coverage when the RV is not in use.
• Full-timers who live in their RV or claim it as a primary residence will need full-timers coverage, which includes protection against injuries in and around the RV, personal liability coverage, personal items coverage and more.

Whether your RV is a Class A, Class C, Fifth Wheel, Travel Trailer or Camper Shell, you can visit the RV insurance quote form for a free, no-obligation quote.