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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.
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The typical cost of RV insurance is $1,000 to $2,000 a year, or $83 to $167 a month. This cost is based on our analysis of insurers and information from the Virginia Bureau of Insurance.
However, a liability-only policy may start at only a few hundred dollars a year. RV insurance premiums vary based on your RV’s value, how you’re using it and which insurance company you choose.
The best way to save money on RV insurance is to get quotes from a range of insurers to compare prices. You can also bring down the cost with these tips:
Consider these factors when comparing RV or camper trailer insurance quotes.
RV insurance can cover a variety of situations, including:
What’s covered | Coverage type |
---|---|
You back into another car and damage your RV |
|
You damage someone’s car or property |
|
You hit another car and injure the driver or passenger |
|
You’re injured after an accident |
|
Someone without insurance crashes into your RV |
|
Your RV is damaged from a fire or storm |
|
You’re injured in an RV accident |
|
The TV in your RV is stolen |
|
Your RV breaks down and needs a tow |
|
You won’t use your RV for a few months |
|
Your pet is injured during a vehicle collision |
|
Your campground golf cart is run over |
|
A flat tire keeps you at the campground for extra days |
|
Your RV is damaged while at an RV park |
|
Your brand new RV is totaled or stolen |
|
Like home insurance, RV insurance companies offer add-ons like contents coverage for wider protection, or they may increase the policy limit for some valuable items.
Contents coverage can help cover lost or damaged personal belongings, including rugs, household goods, DVDs, clothes, entertainment systems, televisions, furniture, jewelry or tools.
Or you can cover personal belongings in your RV if you have home insurance or renters insurance. This is a good option if you don’t live in your RV full time. Most home insurance policies include off-premises coverage for items damaged or stolen while they’re not in your home.
The coverage you need depends on factors like your RV’s age, how you use it, how often you use it and whether you drive it or not.
For example, if your RV is your full-time home, you might want more coverage for your belongings, while a tow-behind like a popup or fifth-wheel might be fine with add-on coverage through your car insurance policy.
To avoid a denied claim, stay aware of what your RV insurance won’t cover:
Protecting your RV with the right insurance and navigating your policy’s fine print is essential. Compare your insurance policy options to find the coverage you need to relax and explore America in style.
If your RV’s towed behind your car, like a popup camper, you likely won’t need a separate policy. You can get add-on travel trailer coverage for a popup or towable RV without the need for a separate RV policy.
No, your trailer is typically covered under your car insurance. RV and trailer insurance are two different things. A trailer may be covered — or partly covered — by the car insurance policy of the vehicle that tows it.
However, drivable RVs need their own policy. If you only drive an RV and don’t have a car, you can add trailer coverage to your RV policy.
You might have lower insurance premiums if your RV stays in one place most of the year. However, campgrounds might be considered risky due to possibilities of theft or parking lot accidents.
If your tiny house is on wheels, most states require you to carry car insurance while on the road. A full-timers RV insurance policy would be a first option to consider, since it covers you while on the road and while parked.
Many insurance providers will cover a tiny house under an RV policy, as long as it’s built by a RIVA (Recreation Vehicle Industry Association) certified builder. If your tiny house is a DIY project, look into specialty insurance.
You may need homeowners insurance for your tiny home or a mobile home policy if your house isn’t mobile and is on a permanent or semi-permanent foundation. If your tiny home is financed, the lender will likely require you to carry insurance, whether it’s mobile or stationary.
Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
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