Recreational vehicle insurance is made for different types of RVs. These vehicles come in all shapes and sizes such as motor home camper and even travel trailers. There are two different coverage requirements: do you tow it, or is it self-contained? If it is towed, you will probably not need insurance coverage. If you can drive it around, you will need coverage. Every state has a minimum monthly requirement regarding RVs. You will need to check with your state.
What is the standard RV coverage?
Keep in mind, these standards apply to different vehicles. Your motor home may only require a few of these while a camper may require all:
• Bodily Injury and Property damage liability
• Uninsured Motorist
• Personal Injury Protection
• Limited Property Damage
• Property Protection
RV owners can also get specialized coverage, which can really come in handy during certain losses. If you don’t have personalized coverage, it’s something you may want to think about when purchasing recreational vehicles insurance:
Total Loss Replacement – This coverage is usually only for previously untitled RVs. Check with your insurer to find out more.
Custom Equipment – If you have put specialized parts and tricked out equipment in your RV, you will want to increase your limit of coverage in case of damage or an accident.
Roadside Assistance – If you RV is ever disabled, if can be towed to the nearest qualified facility for repairs. This includes battery failure, mechanical breakdown, flat tire, entrapped in mud or snow, run out of necessary fluids like oil, water or gas.
Vacation Liability – This protects bodily injury and property damage if you are in an accident. While the limit is $10,000 if you have comprehensive and collision, you can set limits higher.
Personal Effects – While most RVs insurance won’t cover personal effects, a few will. It’s a good idea to check first. However, most homeowners insurers will cover this.