Recreational vehicle insurance is coverage for recreational vehicles. These vehicles are often on the road, so it’s important to have them insured. Coverage helps pay for damage to the inside and outside of an RV. It will also help repair or replace damaged or stolen belongings.
This coverage extends to pop-up campers, toy haulers, travel trailers, fifth wheels, truck campers and other types of RVs that can be hauled. But this type of policy also covers Class A, Class B, Class C and Park Model motor homes.
How it Works
Different things affect the premiums for recreational vehicle insurance. The mechanical condition of an RV plays a role in the monthly premium. RVs that have old engines with worn-out powertrain components are at high risk for problems, so premiums will be higher. Insurance premiums also tend to be high for RVs that have propane tanks, water jugs, extensive electrical systems, appliances and other heavy on-board items.
Types of Coverage
The insurance you get should also have liability coverage. Liability can be used to cover medical bills of drivers and passengers who have been injured in an accident. Comprehensive coverage protects RVs from damage caused by fallen trees, fires, and other incidents. Collision can help pay for mechanical repairs that have to be done after an RV gets into a crash.
Recreational vehicle insurance is a great way to protect your investment in your vehicle. If you plan to travel often, then you should definitely have insurance.