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How Is RV Insurance Different From Regular Car Insurance?

There are thousands of people that take a long road trip each summer with an RV (Recreational Vehicle). RV’s are great for taking an entire family camping, sightseeing, and for general travel purposes. Most owners of these large, powerful vehicles are likely wondering whether they need to purchase specialized insurance. If you own an RV, you will need to specifically purchase RV insurance through either your current insurance company or another. Although RV’s can easily be added to your current policy if you are insured by a mainstream insurer, it’s always important to call your insurance company and ask.

Mistake: Assuming that your RV is automatically insured

Most people wrongly assume that their auto insurance policy will automatically pick up any damages caused to their RV along the way – this is not true. Never assume that you are insured when you’re driving a vehicle other than the car you signed up for the policy. If you need to get a quick quote for your RV through a reliable provider, you can enter your zip code in the box above and a list of providers will give you their rates. If you already have insurance, your best bet is to contact your current insurer and ask if they can help you get added protection for your RV. Since most RV’s are pretty expensive compared to the cost of a regular car, it’s very important that you get proper insurance.

Does homeowners insurance ever cover an RV?

In terms of an accident or damage to your RV, the answer is “NO” – your homeowners policy will not be able to magically morph into RV insurance. In some cases, your homeowners coverage may help compensate you for some of your belongings and property within your RV if they end up damaged or ruined. But even then, trying to collect on a claim is not always going to work in your favor.

If you want to know the exact details about what will be covered and what won’t be covered under your homeowners policy, I suggest contacting your insurance company. Ask them whether you have property protection and whether they would insure your personal items inside of an RV. It is a huge mistake to assume that this will be adequate coverage though – in fact, it’s not even legal to drive without the proper insurance for your RV.

How much does RV insurance cost?

The average cost to insure an RV depends on a few different factors including: the value of your RV, your insurance provider, where you live (i.e. the state), as well as what you want covered. The general costs could be anywhere from $1500 to $7000 depending on those factors that I mentioned. Additionally, there are various factors that could play a role in determining your ability to get a good price on the insurance policy for your RV.

Additional factors to keep in mind include:

  1. Age of the driver
  2. Crash safety rating
  3. Value of your RV
  4. Security features installed
  5. Sex of the driver

Why getting reliable insurance for RV’s is a smart investment

RV insurance could save you thousands of dollars if your RV is involved in an accident, vandalized, damaged, or even worse – stolen. If you don’t have adequate comprehensive, collision, and liability protection, you could end up losing a lot of money out of pocket to make repairs and replacements. Plus, who’s going to want to actually pay for a brand new RV if theirs is stolen. Although the likelihood of someone taking your RV isn’t going to be super high, theft does occur. If you don’t have the proper insurance coverage, you’re going to be extremely upset if for some freaky reason it occurs.

How is specialized RV insurance different from regular auto insurance?

Even though RV and auto insurance policies work similarly, they are not the same and do not provide the same types of coverage. In most cases, getting insurance for your RV will need to cover more than that for your auto. Since your RV is bigger, more powerful, and you have furniture and sometimes expensive items inside, you need better protection.

  • Electronics – Most people install TV’s, DVD players (or BluRay players) and have all kinds of gizmos inside of their RV. Electronics help the time pass by when you’re on a long road trip. Having them insured is a must – especially if you have an expensive TV.
  • Furniture – Chances are that you have furniture inside your RV. If any of it is damaged you’ll get reimbursed provided you have the proper coverage.
  • Repairs – Anytime damage is inflicted upon your RV, it is going to be costly to fix. If you have the proper insurance, you will be protected. Think about it – the value of an RV and parts are worth considerably more than those of a car.
  • Towing – If your RV needs to get towed away from the scene of an accident, it is going to be extremely costly without proper insurance. A standard auto insurance policy would definitely not cover this expense.

Will I still be covered if I drive to another country?

The most common places to travel from the United States include Mexico and Canada. If you ever plan on taking a trip out of the country, it is still important to have proper insurance. When you go south of the border, there are generally a lot of high crime areas and individuals from Mexico trying to get into the U.S. illegally. Most insurance companies will void your insurance policy while you are out of the country. If you want to know the exact details, be sure to contact your agent and find out what you can set up as far as an insurance policy is concerned. Many insurance companies are lenient as far as Canada is concerned, but they don’t generally cover you if you go to Mexico.

RV Movie Trailer Video (Hopefully Your Road Trips Aren’t This Crazy)

Hopefully you found this advice helpful and have a better understanding of what RV insurance entails. I think it helps to think of your RV as basically a huge beast that requires separate coverage from your normal automobile. Be sure to get insurance coverage before you plan on going on your next big road trip! If you need a quote today, you can enter your zip code at the top of the page.

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