Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Recreational Vehicle Insurance Information
Owning a recreational vehicle (RV) can be enjoyable and convenient. These automobiles provide an exciting and flexible means of traveling the world and offer temporary or even permanent lodging. However, like any motor vehicle, RVs carry significant risks and exposures that you must account for. A comprehensive RV insurance policy may be necessary to ensure that you aren’t saddled with sizable out-of-pocket costs in the aftermath of an accident or other incident.
How Does RV Insurance Work?
RV insurance generally functions similarly to standard auto coverage, although there may be additional features given the extra uses and exposures accompanying a motorhome. An adequate RV insurance policy can provide a wide array of financial protection for common risks and may render fiscal assistance in response to various incidents.
What Does RV Insurance Cover?
Like many types of insurance, RV insurance policies can be customized to an extent in order to fit your needs and circumstances. In general, it may be advisable to ensure that your policy includes the following coverages:
- Bodily injury liability coverage—If you are at fault for another party’s injuries, such as those arising from an accident, this coverage can help pay for their medical bills and your legal expenses.
- Property damage liability coverage—This coverage can provide financial assistance for third-party losses and legal costs if you are responsible for an incident that resulted in property damage.
- Collision coverage—By including this coverage in your RV policy, you can access financial assistance to repair or replace your vehicle if it’s damaged in a collision with another automobile or a stationary object.
- Comprehensive coverage—This coverage can help pay for losses arising from incidents not included in collision coverage, such as fires, theft, vandalism, severe weather and falling objects (e.g., tree limbs, rocks).
- Medical payments coverage—If you or your passengers are injured in an accident, your insurance may provide financial aid for resulting health care services regardless of who was at fault.
- Personal property coverage—This coverage can help pay for losses related to belongings that you transport or store in your RV.
- Uninsured/underinsured motorist coverage—If another party is at fault for an accident but lacks sufficient insurance, this coverage can help you recoup your losses by making up for their deficiency.
- Campsite and vacation liability coverage—This coverage can help pay for third-party losses arising from incidents for which you were at fault and that occurred while your RV was parked at a campsite.
- Full-time residence coverage—If you use your RV as your primary dwelling, this type of coverage can provide more extensive coverage for incidents involving liability and medical payments.
What Does RV Insurance Cost?
Before being able to provide an accurate quote for sufficient RV coverage, insurance companies must conduct a thorough analysis of your unique circumstances. In general, this process may include consideration of the following factors:
- Vehicle details (e.g., type, make, age, condition)
- Policy details (e.g., coverage limits, deductibles)
How Much RV Insurance Do I Need?
Insurance requirements may vary depending on what state you are in. Most states require certain minimum amounts of liability coverage to ensure that if you are at fault for an accident, other parties can receive compensation for their losses. In addition, you may also be required to carry other coverages, such as for medical payments and uninsured/underinsured motorists. Check with a qualified agent to ensure your insurance is legally compliant before you take your RV out on the road.
Can an RV Be Insured As Your Primary Vehicle?
Just as your RV can be insured as your primary residence, it can also be your primary means of transportation. However, a standard auto policy cannot generally be used to insure an RV. If you plan to use your RV as your primary vehicle, you should talk to an insurance agent to ensure that your coverage is sufficient.
Get the Right Coverage
With 30 years of experience serving individuals, families and businesses in the Spring, Texas area, the agents of Insurance & Financial Services at Champions are well-equipped to help you understand your coverage needs. We will work with you to assess your circumstances, present your options and craft optimal policies. Contact us today to get started.