- This is the biggest, most expensive type of RV to insure, often as large as a bus.
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Your RV is your pride and joy, your summer home, your ticket to the best road trips. It’s also a huge investment, and one that you can protect with the right insurance policy. To get the best price and the right protection consider what coverage you absolutely need and what you can skip.
The cost of RV insurance varies depending on the size, make, model and year of your RV. Because those factors can vary so much, the cost of RV insurance could range anywhere from $20 to over $1,000 every month. A basic liability only policy could start at only a couple of hundred dollars a year.
The cost of insurance premiums will also be impacted by how you’re using your RV and which insurance company you go with. So get RV insurance quotes from a range of providers to check prices.
Here are some ways to bring down the cost of insurance:
Typically you need RV insurance if:
You might not need RV insurance if:
|What’s covered||Coverage type|
|Someone runs into your RV|
|You damage someone’s car or property|
|You hit another car and the driver or passenger is injured|
|You’re injured after an accident|
|Someone damages your RV in a hit and run|
|Your RV is damaged from a fire or storm|
|You’re injured in a car crash and can’t work|
|The TV in your RV is stolen|
|Your RV breaks down and needs to be towed|
|You won’t be using your RV for a few months and want to pause your insurance|
|Your pet is injured during a vehicle collision|
|Your campground golfcart is run over|
|A flat tire keeps you at the campground for an extra few days|
The type of coverage that protects the personal belongings in your RV is called contents coverage. Contents coverage can include coverage for loss or damage to carpets, household goods, DVDs, clothes, entertainment systems, televisions, furniture, furnishings, jewelry, tools and more.
Similar to home insurance, some RV insurance companies offer add-ons for a higher level of coverage for your RV contents, or increasing the insured limit for specified valuable items.
Consider these factors carefully when comparing touring or static RV or camper trailer insurance quotes.
RV insurance protects your camper, motorhome or fifth wheel from damage on the road and at the campsite. Similar to both car and home insurance, RV insurance can cover both your personal belongings and damage to your RV.
It’s important to be aware of what your RV insurance won’t cover so you can avoid a denied claim or paying for damage out of pocket. Typically RV insurance won’t cover damage related to:
You can adjust the coverage on your RV based on whether or not you’re currently using it to travel.
If you’re storing your RV or leaving it parked for a significant length of time, you can reduce your coverage to save money. While you’ll generally still need liability, comprehensive and contents coverage, you can probably get rid of your collision or towing coverage.
If you’re planning on taking your RV out on the road, you’ll need to make sure it has third-party liability coverage. Consider adding collision and comprehensive coverage so that it’s fully insured. Vacation (or campground) liability coverage covers property damage and bodily injury while your RV is parked at a campground or RV park.
If you live in your RV, your policy might look more like a mixture of homeowners, renters and car insurance. And while your RV coverage might include liability coverage, you may consider personal liability for injuries that occur in or around your RV when it’s parked.
Protecting your RV with the right insurance is essential, and so is knowing how to navigate the nuances of your coverage. Learn more about how car insurance works in general and compare your RV insurance policy options to find the coverage you need to relax and explore Canada in style.
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