RV (Recreational Vehicle) insurance is intended to protect your vehicle, whether it be an RV, travel trailer, truck camper, teardrop trailer, fifth wheel trailer, pop-up camper, Toterhome, or any small camper from damage or loss.
Is the Insurance Required?
If you are driving the vehicle itself, yes, you are always required to have your specific state's minimum liability insurance before driving it. However, it also serves as a hybrid between this and homeowner's insurance, therefore also protecting all of your home belongings inside.
The base insurance functions as auto insurance, requiring deductibles and policy limits. However, you will typically want this into some type of homeowner's insurance, therefore also protecting all of your home belongings inside. Your auto insurance carrier will not be able to cover these kinds of costs, making it less-than-ideal to get your full insurance from here. Instead, opt for companies that provide RV insurance specifically, like Insurance Solutions of America. In case you have emergency expenses or replacements, such as breakage of an RV water pump, auto insurance alone not be able to help you here. Therefore, it's wise to opt for fuller RV insurance.
Additions to Base RV Insurance
Though some of the following types of insurances may be included in your package, you may also need to purchase them additionally. The following are types of insurance you should consider when getting coverage for your vehicle.
Many people with RV insurance will also get uninsured motorist coverage. This will protect you in case you get into an accident with someone that doesn't have auto or RV insurance, or if you are the victim of a hit-and-run.
Personal attachments coverage protects the appendages to your vehicle that can easily be damaged in situations like bad weather or not making the clearance under an overhang or bridge. This includes things like a satellite dish, television antenna, or awnings.
Full replacement cost coverage will cover your RV 100% for a replacement in the case that it is lost or stolen. This is important, especially if you are going to travel to unknown or sketchy areas.
Coverage for storage is important if you aren't spending all-year with your RV or using it at regular intervals. It'll allow you to cut your monthly premiums for your insurance by nearly half during the time you have your RV in storage, saving you lots of money for those periods.
Comprehensive, "other-than-collision" coverage is important for damage against things outside of your standard vehicular wreck. It protects against damage against things like theft of vandalism, fallen objects, or disasters like fire, storms, or floods.
Roadside assistance is the last major insurance addition you should think about. Because RVs of all types are typically large, they cost more to tow than your average car. This roadside assistance will cover you from things like breakdown (mechanical or electrical), battery failure, flat tire, lock-out, or running out of fluids.
If you have an RV or are interested in buying one, you should look into getting RV insurance right away to protect your new home. Contact Insurance Solutions of America for a quote and further assistance today to find the type of coverage that's right for you.