Owning a Recreational Vehicle (RV) is a great way to travel far and wide, allowing you to see the country and visit family and friends in the most comfortable way possible. To secure your RV, it is important to check out RV financing and choose the right insurance. It is also important to have the information on choosing the right RV insurance to ensure the safety of you and the people inside your RV when it is on the move. Sometimes, travelers use guided tours as they are convenient, but sometimes they want to travel at their own pace and do not have to follow a rigid itinerary. This is where Recreational Vehicles come in.
GettingThe Right Auto Liability Coverage
RV Insurance
RVs are great for drivers and their families who want to savor every moment of the trip. They offer time freedom and can be used as a full-time home or as a vehicle for random road trips. Adding RV insurance to your existing car insurance policy may be an alternative, but it is important to remember that RV insurance is much more than just a car. Choosing the right RV insurance for you means choosing better financial protection, as unforeseen circumstances are still likely to happen.
RV Basics and How to Choose the Right RV Insurance
Before answering the question, “How to choose the insurance you need?” we need to answer the question, “What is an RV?” first. Now, a recreational vehicle, often abbreviated as RV, is a motor vehicle or trailer which includes living quarters designed for accommodation.
RVs are vehicles used for traveling, camping, and other recreational activities. They offer the luxury of a home with bathrooms, beds, a kitchen, panoramic front windows, and other amenities. The rules and regulations concerning the right insurance for Recreational Vehicles (RV) vary depending on the state. In most states, the cost of the insurance coverage for an automobile has the same coverage as RV, but without RV insurance, the risks such as fines, license cancellation, and jail are higher. Time can be among the consequences. That is why choosing the RV insurance you need is essential.
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More on the Basics of RV Insurance
The right insurance coverage for a Recreational Vehicle (RV) may apply both on and off the highways, with exceptions for vehicular offenses and lemon laws. RV includes a wide range of motorhomes, from campervans to camper trailers, and three major classes – Class A, Class B, and Class C. The insurance will depend on the vehicle type or class and the usage frequency.
The Classes of RVs:
Class A
This class includes models such as the luxury coach, motorcoach, and converted bus. These RVs can be up to 75 feet long. Class A RVs are the biggest and most expensive. They also have the biggest cargo storage. Luxuries you see in a home such as living and dining areas, kitchen, and bathroom areas are inside.
Class B
This class is often campervans. Class B type is the smallest Recreational Vehicle but the easiest to drive. They are also perfect for day trips and short-distance trips. These vehicles do not have a cab-over and can also include basic amenities like kitchen and bathroom areas. Class B RVs may have designs like those of a cargo van. If you build an RV in an existing van, it is a Class B.
Class C
This class includes vehicles that use a standard cargo van as the driving section of the RV. The camper section extends over the cab area. Most Class C RVs, despite being less expensive than Class A, are complete with amenities. This class includes fifth-wheel vehicles. Usually, Class C RVs are mid-sized that can fit the entire family.
The most important details are that purchasing an RV is a big investment, and that it is important to consider factors such as motorhome size, windshields, and insurance coverage. It is also important to revisit the clause of your insurance policy to ensure that you have all of the coverage you need, at a reasonable price.
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Tips for Choosing the Right RV Insurance
So how to choose the RV Insurance you need? It depends. The type of RV Insurance that fits you depends on the type of RV you drive or own. It is not a one-size-fits-all kind of coverage but here are some RV Insurance 101 that can help you in choosing what RV insurance you need:
Travel Trailer Insurance
Your car insurance will likely cover your RV travel trailer but you still need to purchase a specific RV insurance because standard insurance only covers a trailer when it is hooked up to the car or truck that is pulling it. Your standard car insurance will not cover your motorhome. To have special coverage for RV insurance means to make you assured that your RV is covered, even when it is not hooked up.
Medium Trucks
If you own a truck bed camper on a truck that is 10,000 pounds or more in weight, you are likely not covered under your standard car insurance policy so purchasing RV insurance is a must.
Collision and Comprehensive
Some insurance companies bundle up these two although there are differences in their functions. Collision helps protect you against damage or loss to your RV, regardless of who is at fault. Collisions involve hitting another vehicle or hitting an object, like a lamppost, a mailbox, or a tree.
Comprehensive Insurance
It helps you against non-collision incidents that damage your RV and does not count as colliding. For example, your car has been damaged due to theft, vandalism, falling objects, and fire. Natural disasters like floods and storms are covered by comprehensive insurance.
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Uninsured/ Underinsured Motorist (UM/UMI)
Uninsured motorist
helps protect you against accidents and injuries when the other driver does not have any liability insurance to pay for injuries and damages they cause you, your passengers, or your RV.
Underinsured motorists
help protect you against accidents when the driver does not have enough funds or does not have enough insurance to cover for injuries and damages they cause you, your passengers, and your RV.
RV in Storage
Some do not frequently use their RVs for a reason and if you are one of those who store their RV in a safe place for a lengthy period, you may even save half of your insurance premiums with this type of option. If you store your RV for an extended time, you may need to check if your policy includes coverage during its storage and see what specifics an insurance carrier can offer so you will not end up overspending when your RV is parked or not in use.
Liability Insurance
RV owners can be held liable for injuries and damages that occur as a result of an accident in or around their RV. If you hit another car causing damage to their vehicle, your RV insurance would pay for the repair of the damaged car. Moreover, if another driver or passenger is injured, your RV insurance would pay for any medical bills. If another driver or passenger sues you as a result of the accident, your RV insurance liability would pay for the legal costs. This type of insurance is required by all states for those who drive a motorhome and not a travel trailer.
Replacement Cost
If you have this as part of your coverage, you can be sure you will not end up with zero and will even receive a comparable new recreational vehicle if your RV gets stolen or becomes too damaged to repair. Note that when you do the insurance shopping, inquire from your agent if your quote includes Actual Cash Value (ACV), Agreed Value, or Total Loss Replacement. Some insurance companies have different takes on RVs that are either over or under 5 years old.
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Personal Property
The personal effects that are inside your RV but not attached to it are part of the coverage whether it is due to the loss or damage. Examples of personal effects inside your RV that can be covered by this type of insurance would be, a CD player, laptop, and camping gear. Your insurance will either replace or repair the damage to your personal belongings.
Emergency Expenses
If you are living in your RV full time, you may want to check if you have a policy that reimburses you for living expenses should damage occur. Living in an RV can be great but it can also become a source of stress if it breaks down. If it actually does, and it is 80 miles away from your home, your emergency expenses will pay for your hotel bills, meals, and transportation during your trip.
Medical Payments (MedPay)
MedPay helps protect you and your passengers if you are injured in an accident. This covers emergency transport, hospital bills, and follow-up doctor appointments. Some states require RVs to have MedPay but some states do not. It is better to inquire about them from your insurance agent as well.
Roadside Assistance
In some road emergencies, an RV can cost more than double to tow as a standard vehicle. Having roadside assistance insurance is a great feature. If you drive across highways regularly, it is important to prepare yourself and your RV in the event of a road accident or mechanical breakdown. In general, the coverage extends when your RV becomes disabled 100 meters off the road. Most of the partner companies specializing in emergency roadside assistance operate 24/7.
Reliable RV Coverage
So, there you have it! You can get started by choosing the right reliable RV insurance coverage you need. Finding other options will be helpful when you speak to an insurance agent as soon as you purchase your RV.
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