Maintaining an RV is more than just a lifestyle, it is a responsibility. The same goes out to other insurance policies, RV insurance coverage depends on the risk factor. It is safe to say that you do not want t o wait for an RV insurance claim to know some details about its coverage.
Liability, comprehensive and collision, medical payments (MedPay), and uninsured/ underinsured motorist (UM/UIM) are among the basic RV insurance coverage. Since basic insurance doesn’t handle full coverage and liability, we will break down other types of insurance coverage.
Before delving on other types of coverage, here are some brief descriptions of the basic RV insurance coverage:
Liability - If you hit another car causing damage to the other vehicle or If another driver or passenger is injured and eventually will sue you because of the accident, your RV insurance liability would pay for the damage, the medical bills and the legal costs.
Comprehensive and Collision - If your RV hits a tree or ice due to snow, your comprehensive and collision insurance coverage would help you cover the damage. Some insurance providers have these two bundled up.
Medical Payments(MedPay) - If you or any member of your family get into an accident in your RV, your medical payments insurance would pay for the medical cost regardless of who is at fault.
Uninsured/Underinsured Motorist (UM/UIM) - When another driver is at fault for an accident and does not have enough insurance or does not have insurance at all, your uninsured & underinsured motorists (UM/UIM) insurance would pay for the damage to your RV including medical bills.
Now that you have the basic coverages, let us break down other types of insurance coverage that may include other things that concern you as an RVer. Note that some insurance providers may consider these other types as already basic in their insurance policies. Insurance providers’ offers vary and some of the other coverages may not be available to other insurance providers.
Here are RV’s other types of insurance coverage:
Full-time liability - When your RV becomes your permanent residence for at least six months or so, getting full-time liability insurance is advisable. The cost of full-time RV insurance coverage is typically more expensive than other types due to the added liability protection but you can consider this as your all-around safety net. Full-time liability insurance covers property damage and bodily injuries that happen in and around your RV while being parked.
Roadside Assistance - Stuck on the highway? Don’t worry, help is on its way. Your roadside assistance insurance covers roadside labor such as towing, winching, delivery of fuel, mechanical breakdowns, tire assistance, and dead battery replacement. The approximate distance of the road from your disabled RV should be within 100 feet for the coverage to kick in.
Total Loss Replacement - If your RV is either a motorhome or travel trailer and is wrecked in an accident, total loss replacement insurance coverage will replace your RV with a new one. If you do not want to get a brand new RV, you can ask for reimbursement instead. The amount of reimbursement will be depending on the amount of the RV you declared the first time you took out the insurance. If your RV was bought 3 years ago, your insurance provider will pay you back based on the amount of the RV’s original price.
Personal Effects - When you’ve got personal effects insurance coverage, it helps you protect your items against theft or loss. This coverage can help you against losses related to personal belongings that are not attached to your RV, for example, mobile phones, jewelry, and sporting equipment. Depending on how many belongings you own and how much their value is, you can buy extra coverage amounts to match their worth.
Vacation liability - When you are relaxing and your RV is not on the move, it doesn’t mean that it is risk-free. Also known as campsite liability, your vacation liability insurance coverage protects you from third-party damage or injury associated with your occupancy on a site. If someone is injured in or around your RV while you’re on a trip and your RV is parked, for example, you start a campfire and you burn the hair of your visitor or another camping guest, your vacation liability helps you cover for any injury or damage even legal costs.
Emergency Expense - Some insurance policies have separate coverage whether you are a full-time or a non-full-time RV owner. For full-time RV owners, emergency expense insurance coverage would pay for suitable but temporary living expenses if the RV is disabled. For non-full-timers or those who use their RV as a temporary residence, this coverage would pay for the transportation and hotel costs if your RV is disabled more than 50 miles away from your registered residential address.
Custom Equipment - This type of coverage applies to those RVs with custom modifications done after the purchase. Your customer equipment covers for the loss or damage of audio and visual equipment that is permanently attached to your RV even exterior awning and custom flooring that is not installed by the manufacturing company. If your custom parts or equipment is damaged, your standard auto insurance will likely won’t cover them and if you don’t have the custom equipment coverage, it would make you solely responsible for paying the repair and replacement. It is also advisable to check with your insurer that having this coverage would not void your existing auto insurance policy.
Glass - Glass claim should not be among your worries if you have the coverage. In some states, windshield cracks and chips are part of your RV comprehensive insurance coverage and your insurance company would cover for any repair or replacement that you may need. Some state laws also mandate that your deductible is waived. You may need to check with your insurance providers if they include side windows as part of the coverage.
Pet Injury - With pet injury insurance coverage, you not only protect yourself, your family, and your RV, you are also protecting your pets. Pet Injury coverage is mostly supplementary to your comprehensive and collision coverage, and if your pet is injured in an accident inside or around your RV, your coverage comes in handy to pay for veterinary bills and medicines. Most insurers only cover for dogs and pets so it is best to check this beforehand.
Mexico Coverage - If you frequent Mexico, it is necessary to consult an RV expert to provide you numerous options about extending coverage for the use of your RV in Mexico. Many of the standard policies do not include Mexico as part of any coverage but some do under certain conditions. If you find coverage that has liability insurance while your RV is in Mexico, it would only cover for the repair made in the United States and if your RV is being disabled, your coverage would pay for towing of your RV to the nearest US border point.