If you are in the market for a recreational vehicle (RV) or already own one, you should look into insurance coverage. Every state requires it, just like auto insurance. You might have questions about how much coverage to get or how the type of RV affects the kind of insurance you need.
What Is RV Insurance?
Similar to auto coverage, RV insurance safeguards RV owners from exorbitant out-of-pocket expenses that result from accidents that cause property damage or personal injury. It can also compensate you when you call for roadside assistance during a breakdown while you’re traveling.
The type of RV and how much you use it will determine the kind of insurance you need. There are the towable RVs like pop-up campers, fifth-wheel trailers, and toy haulers. Motorized RVs fall into one of three classes:
- Class A: These are the largest vehicles, and they reach up to 75 feet in length. Class A includes luxury coaches, converted buses, and motorcoaches.
- Class B: Camper-vans and converted vans fit this class, and they are the smallest of the RVs. You can recognize a Class B due to its lack of a cab-over design.
- Class C: These RVs usually have a van’s cab portion that accommodates a driver and passenger with an extended compartment over the cab.
Standard coverage for an RV includes bodily and property injury liability, uninsured and under-insured motorist, medical payments, collision, and comprehensive coverage. Other available coverages include awning and safety glass replacement, custom equipment (e.g., satellite dish, attachments), vacation or campsite liability, physical damage settlement, and towing or roadside assistance. If you live in your RV full-time, you should consider a full-timer’s package, which protects your RV is a permanent home.
Check with your state to learn the minimum liability coverage you’ll need if you drive a motorized RV. If you tow your camper or trailer, the minimum liability applies to your tow car or truck.
Why is RV Insurance Important?
As we said earlier, the law requires RV insurance with at least some form of liability coverage, depending on the state. Some even mandate under-insured or uninsured motorist protection. If you rent an RV, you might need to get insurance. If you want to finance an RV purchase, the lender will probably want to see proof of insurance before they’ll approve you for the loan.
You don’t want to take chances by putting off RV insurance or not getting enough coverage. Considering what RVs can cost, you could incur a significant loss if your vehicle is stolen or damaged, especially if you don’t get full replacement coverage. You are also vulnerable to litigation costs without the right amount of liability coverage. An RV is a significant investment, and you should protect it.
GEC Insurance Services
We’re an independent agency, which means we’ll take a personal approach to get you the most affordable coverage that meets your needs. Whether you’re a weekend warrior or a full-time RV-er, GEC can cover whatever style or RV class you have.
Call GEC Insurance Services at [number] or click [hyperlink] for a free RV insurance quote. A local agent can contact you to help you compare several quotes and find the right coverage for you. When you call, ask if you qualify for any discounts.