If you’re driving within the United States, you likely have an auto insurance policy. Similarly to how car insurance helps provide coverage for your vehicle, RV insurance may offer comparable benefits if you own an RV. If you’ve never heard of RV insurance before, it may be useful to understand why it’s important for RV owners and what this insurance can help cover. Whether you’re a weekend camper or live in your RV full time, knowing the coverage options that are available may help you navigate your insurance decisions.
What Is RV insurance?
Depending on your coverage, RV insurance can help pay for damages to you or your vehicle, or for a third party, during a covered accident. You can also get specific coverage that can help cover your personal belongings if they get damaged or stolen. There are several types of RVs that can be covered, including motorhomes, travel trailers, and camper vans. Each type of RV may require a different level of coverage, so it’s important to understand what coverage you may need for your vehicle.
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Key coverages in an RV insurance policy
Liability coverage
Liability coverage is an important component of an RV policy. This type of coverage can help pay for damage or injuries you cause to someone else or their vehicle. There are two key components of liability coverage:
- Bodily injury: This can help cover the medical expenses of someone you’ve injured in accident.
- Property damage: This can help pay for the repair costs of a third party’s property you damage during an accident.
Collision coverage
Collision coverage is another type of common insurance that RV drivers may want. This can help pay for repairs to your vehicle if damaged from a collision, regardless of who’s at fault.
Comprehensive coverage
Comprehensive coverage can help pay for damages incurred from a non-collision event. This may include theft of your RV, vandalism, weather damage, or damage caused by hitting an animal.
Uninsured/underinsured motorist coverage
This type of coverage can be helpful if you’re dealing with a situation involving uninsured drivers. Uninsured/underinsured motorist coverage can help pay for your medical bills and repair costs if you get into an accident caused by a driver who lacks sufficient coverage.
Medical payments coverage
Medical payments coverage may cover medical expenses for you and your passengers after an accident, regardless of fault. This may help you avoid out-of-pocket medical costs if you get injured from a collision.
Vacation liability coverage
If you park your RV at a campground or other temporary location, vacation liability coverage may be helpful for you. This coverage can help you avoid liability if you accidentally injure someone or damage a third party’s property while your RV is parked at a campsite. It may also keep you from being liable if someone gets injured inside of your RV. This coverage is not part of a standard RV policy, so it must be added on by your request.
Emergency expense coverage
If your RV breaks down due to a covered accident during your trip, emergency expense coverage may help cover the cost of hotels, transportation, and meals while your RV is getting repaired.
Roadside assistance
This coverage can help provide services such as towing, tire changes, jump-starts, or fuel delivery if your RV gets stuck while on the road. Having roadside assistance may help you avoid becoming stranded while traveling.
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What’s full-time RV insurance?
For those living in their RV for six months or longer, full-time RV insurance may be essential to have. A full-time RV insurance policy can help pay for certain damage or stolen items when the RV is stationary. Your policy may include a variety of coverages, like liability, collision, comprehensive, personal belongings insurance, and roadside assistance.
What RV Insurance may not cover
While RV insurance covers specific situations and accidents, there are plenty of situations where this insurance won’t apply. Some common exclusions include:
- Wear and tear or maintenance issues: Routine maintenance and damages from mold or rot are typically not covered.
- Customizations or upgrades: If you’ve made changes to your RV, such as adding solar panels, those may not be covered.
Factors that can affect RV insurance costs
The cost of your RV insurance may depend on a combination of factors, including:
- Size and type of RV
- How often you use your RV
- Your driving history and location
- Your deductibles and policy limits
Why choose IIA for RV insurance?
At IIA, we can offer personalized services to help you find an insurance policy that fits your needs. We have Spanish-speaking bilingual agents that can help guide a wider range of clients through the insurance process. IIA’s providers also have many discounts that may lower your insurance premium, so talk to an agent to see if there are discounts you may be eligible for.
RV insurance is a useful tool that can help you avoid financial consequences while on the road or parked at a campsite. By understanding the common RV coverages, you may be able to make more informed decisions about the insurance you want. If you’re ready to get coverage for your RV, you can call IIA today at 1-855-478-3705 for a free auto insurance quote!