If you’re thinking about embracing—or have already embraced—time on the road in a Recreational Vehicle, you probably already know firsthand the thrill it can bring. Whether cruising cross-country to see all the national parks or just hitting the road for a weekend escape, an RV can be your key to freedom and adventure.
However, along with the excitement of owning an RV also comes the responsibility of protecting your investment (they’re not cheap!). That’s where RV insurance comes into play. Keep reading to review the 5 things we think are most important about Recreational Vehicle insurance and to make sure you’re well-prepared for crisscrossing the country in the months and years ahead.
1 – What types of RVs are covered?
RV insurance isn’t a one-size-fits-all solution. Different types of recreational vehicles have different insurance needs. From Class A motorhomes to camper vans to travel trailers and everything in between, understanding the specific coverage options for your RV type is crucial.
- Class A motorhomes are the biggest of the bunch—they’re like a home on wheels, built on a heavy-duty chassis and offering plenty of space for living, including amenities like full kitchens, bathrooms, and multiple sleeping areas. These are popular with long-term travelers and those seeking luxury on the road. Due to their size and amenities, they’re also more expensive to insure.
- Class C RVs are somewhat smaller. They are a type of motorhome built on a truck chassis. They feature a cab in front and a camper body recognizable by their distinctive over-cab sleeping area. They still have amenities like a tiny home but are less luxurious than a Class A.
- Class B motorhomes—also known as camper vans—offer a mid-size option smaller than Class A RVs. While they lack the space and amenities of larger RVs, Class Bs come with perks like four-wheel drive, good gas mileage, easy maneuverability, and the ability to park in tight spots and go off-grid, making them a breeze to drive.
- Travel Trailers are another popular option within the RV category and may have different coverage requirements since they’re towed by another vehicle. They range from lightweight to very heavy, so it’s important to match one with the towing capacity of your car or truck. Available in various shapes and sizes, travel trailers offer easy unhitching and storage when not in use.
→ Expert Tip: When choosing RV insurance, consider the vehicle’s current classification and potential upgrades. Certain policies allow you to adjust to these changes, allowing you to modify your RV worry-free.
2 – What are the coverage options?
Like auto insurance, RV insurance offers a range of coverage options to suit your needs. Liability coverage is typically required by law and helps cover bodily injury and property damage in the event of an accident in which you’re at fault. Comprehensive and collision coverage protects your RV against damage from accidents, theft, vandalism, and natural disasters.
Additionally, specialized coverage such as roadside assistance, personal belongings coverage, and total loss replacement can provide added peace of mind while on the road.
Remember, liability-only insurance only covers damage to others, not your own RV. Think about getting comprehensive and collision insurance.
→ Expert Tip: Tailor your RV insurance to fit your travel habits and potential risks. For instance, if you visit storm-prone areas, opt for coverage against hail or strong winds. Or consider more comprehensive coverage for rough terrain or wildlife encounters in mountainous regions.
3 – What influences insurance costs?
Several factors can affect how much you pay for RV insurance. These include your RV’s type, value, driving history, location, and frequency of use. Additionally, where you store your RV, the mileage you accumulate, and its safety features also matter.
For instance, storing your RV in a secure facility or installing anti-theft devices can potentially qualify you for discounts on your insurance premiums. Similarly, if you take shorter trips (with lower mileage) and have a clean driving record, insurance companies may offer lower rates as you pose a lower risk of accidents or claims.
→ Expert Tip: To lower your insurance costs, take steps to reduce risks. Consider completing an RV safety course, keeping your driving record clean, and adding security features like GPS trackers or alarms. These efforts could earn you discounts on your insurance premiums.
4 – What if I live in my RV full-time?
Full-time RVers require specialized insurance coverage that protects their RV as both a primary residence and a mode of transportation. This insurance includes protection for personal belongings, emergency costs, and living arrangements, which are important for full-time RV living. Full-time RV insurance typically includes liability, comprehensive, and collision coverage, as well as coverage for personal belongings and emergency expenses.
Additionally, it may offer benefits such as coverage for alternative living arrangements if your RV becomes uninhabitable due to covered damages. With full-time RV insurance, you can focus on enjoying the adventure without worrying about unexpected setbacks.
→ Expert Tip: Look for ‘total loss replacement’ coverage in full-time RV insurance. This ensures you get a brand-new replacement if your RV is totaled, especially in the first few years of ownership. It’s a surefire way to ensure you’re fully covered for any mishaps on the road.
5 – When should I review or update my RV insurance?
Keeping your RV insurance policy up to date is super important to make sure you’re protected if anything unexpected happens. It’s a good idea to review it every year or whenever something big changes in your life or with your RV. That way, you can make sure your coverage matches what you need.
If you’ve upgraded your RV, stored it somewhere different, changed how and where you travel, or had any major life changes like retiring or relocating, don’t forget to tell your insurance company so they can update your policy. Being proactive about your insurance helps make sure you’re always covered, no matter where the road takes you.
→ Expert Tip: Set a regular schedule to review your RV insurance policy at least once a year or whenever you undergo significant life changes or modifications to your RV. Reach out to your insurance company, so your coverage stays current and fits your needs as they change.
Hit the road!
Before you set off on your next RV adventure, take a moment to explore new — or renewed — recreational vehicle insurance options. Remember, RV insurance isn’t just another expense; it’s about giving yourself peace of mind and protecting your valuable vehicle.
Guided Solutions can help you find reputable insurance providers with specialized RV insurance plans tailored to your needs. We’ll compare coverage options, deductibles, and premiums to recommend the policies that suit you best. Let us do the legwork so you can get back on the road.
