Recreational Vehicle Insurance:
What To Look For In
An RV Insurance Policy

Recreational Vehicle insurance is essential for the RV enthusiast.

Your RV could be a motor home. It could be a fifth-wheel trailer. It could be a travel trailer. It could be a pop-up camper. They all fall under the heading of “recreational vehicle.”

Are you a person that dreams of sun-drenched afternoons cruising on mountain roads or along the coastline? Can you close your eyes and see the highway stretch out before you all the way to the horizon?

Your RV may be your family hobby. Do you hit the roads and campgrounds with your wife or your kids? Do you take your RV to sporting events, like football games or NASCAR races?

Your RV may be your winter home in sunny climates.

No matter what your motivation is for owning and operating a recreational vehicle, you will need RV insurance. But all RV insurance policies are not the same.

Here are some features and coverages you should look for when shopping for RV insurance:

• “Full-timer” coverages - Some people live in their RV part of the year. This endorsement provides liability protection very similar to a homeowners policy. While a standard RV policy will only provide liability protection when you are using your motor home as a vehicle, a Full-Timer policy covers you when you are parked and using your unit as a residence.

• Comprehensive Coverage - protection for non-collision losses, such as fire, smoke, windstorm, theft, lightning, hail, animals, vandalism, even low branches and overhangs.

• Collision coverage - when your RV runs into something.

• Liability limits - buy high liability limits, it’s inexpensive coverage.

• Attached Accessories Coverage - includes awnings, satellite dishes and such.

• Replacement Cost Coverage on the vehicle, which pays to replace your vehicle with a brand new one of like kind and quality. Most policies only pay the Actual Cash Value for a total loss.

• Emergency Expenses Coverage - pays for lodging or travel back home if your unit is damaged or destroyed by a covered loss more than 50 miles from home.

• Towing and Roadside Assistance - first dollar coverage, no out-of-pocket costs for towing, flat tire changes, fuel delivery and locksmith services.

• Replacement Cost coverage - on your personal property that is stolen, damaged or destroyed.

Recreational Vehicle insurers also offer a variety of discounts, such as:

• Multi-Unit

• Multi-Policy

• Safety Course

• Prior Insurance

• Renewal discount for maintaining continuous coverage

You will also find a wide choice of deductibles and payment plans available. Choosing higher deductibles will lower your premiums. Flexible payment plans will help you manage your budget.

By using these strategies, you’ll have the best chance at having fun cruising the roads in your RV!

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