Your RV is more than just an automobile, so you need a little more than just auto insurance if you want to fully protect your investment as you travel. From break-downs to break-ins, RV insurance covers your mobile homes, camper trailers, and other recreational vehicles inside and out.
What is RV Insurance?
RV insurance also known as Recreational Vehicle insurance or motor home insurance, protects against damages and liability arising from accidents, vandalism, theft and other damage. RV insurance is very different from standard auto insurance, so owners without RV insurance will most likely find themselves high and dry if they experience a loss without the proper RV insurance coverage.
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 designed to protect the vehicle itself and the personal items inside. This type of coverage is usually purchased as an add-on to an existing auto insurance policy or as a stand alone policy from an RV insurance company.
RVs come in all shapes and sizes and may or may not be required depending on what type you own. The main difference in coverage comes between motor homes and campers. Any vehicle driven on the road is required to be insured and that includes motor homes. Since campers are towed behind a vehicle and not driven, RV insurance is sometimes optional. However, it is recommended to carry some RV coverage so you do not lose your investment and put your assets at risk if you are involved in an accident.
Your RV is Covered
We can get you the best coverage for your recreational vehicle so you can enjoy the time you spend traveling without a worry or a care, no matter where you go. You can safeguard your favorite home-away-from-home, including:
Conventional Motor Homes
Mini Motor Homes
Conventional Travel Trailers
Fifth Wheel Trailers
Pop-up Tent Trailers
Mounted Truck Campers
Trailers with Recreational Cargo Quarters
Types of RV Insurance Coverages
From vacation site to the road ahead, your RV is covered. RV insurance provides the protection of auto insurance, and adds additional safeguards for your personal belongings and the risks you may face as you travel along. Learn more about all of the coverage options available for your RV, including:
If you are at fault in an accident while driving your RV, bodily injury and property damage liability will cover the costs of repairs or medical expenses for the other people involved. Most states require RV drivers to carry a minimum amount of liability coverage, but you can get even more protection for your vehicle than just the required minimum.
Comprehensive and Collision
Choose from the right amount of comprehensive and collision coverage to cover the costs of damages to your RV, no matter who’s at fault. Whether it’s a collision with another vehicle, damage or loss due to fire, or vandalism, or even if your RV is stolen; comprehensive and collision coverage is there to help with repair and replacement costs.
Uninsured/ Underinsured Motorists
Get coverage that ensures you don’t pay the price for someone else’s inadequate insurance. Uninsured/ underinsured motorist coverage is there if you are involved in an accident with a driver who doesn’t have liability coverage, or who isn’t able to pay for medical expenses or repairs above their existing policy limits. You may even be covered if you’re involved in a hit and run incident, too.
No matter who’s at fault, medical payments coverage can help pay for the medical bills you or your passengers face if you’re involved in an accident in your RV.
Roadside Assistance and Towing
Flat tires, dead batteries, and other unexpected surprises can ruin your trip fast. When you choose optional roadside assistance and towing coverage for your RV, you can get the assistance you need on the road at an affordable price. Towing and labor coverage not only covers the cost of tows and repairs, it may even pay for trip interruption costs such as lodging, transportation, and meals.
When your motorhome or other RV is parked at a site, it is suddenly more than a vehicle; it’s a temporary residence. If you want to protect yourself in the event someone gets injured in your “other home” while it’s parked, vacation liability coverage can cover resulting medical bills and even lawsuits that may arise.
The items you bring along with you on the road were too important to leave behind, so they deserve to be covered. Personal effects coverage pays to repair or replace the personal property you keep inside your RV if it’s lost, stolen, or damaged.
Who Needs RV Insurance?
RVs come in all shapes and sizes and may or may not be required depending on what type you own. The main difference in coverage comes between motor homes and campers. Any vehicle driven on the road is required to be insured and that includes motor homes. Since campers are towed behind a vehicle and not driven, RV insurance is sometimes optional. However, it is recommended to carry RV coverage so you do not lose your investment and put your assets at risk if you are involved in an accident.
The level of RV insurance you need depends on how often you use your RV. “Part-timers”use their RV seasonally and can save money by suspending collision and liability coverage when the RV is in storage. “Full-timers” live in their RV and claim it as their primary residence need full-timers coverage. Full-timers coverage includes protection against injuries in and around the RV, personal liability coverage, personal items coverage and more.
Get RV Insurance Today
Protecting your investment in your recreational vehicle takes a special combination of coverage options. Bodenstein offers a variety of coverage options for your RV, so you can get the right amount of coverage you need at a price you can afford. Call us today at (775) 782-3030 to speak to an RV insurance expert about the best coverage options for you, your recreational vehicle, and your budget.