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What are the types of insurance by RV size?
- This is the biggest, most expensive type of RV, often as large as a bus.
- Sometimes referred to as camper vans, this is the smallest class of RV.
- This is the midsize of RVs, often referred to as mini motorhomes or cab-overs.
The cost of RV insurance varies depending on the value of your RV and how you’re using it. It also varies between providers, so get RV insurance quotes from a range of providers to check prices. Here are some ways to bring down the cost of insurance:
Make sure you’re not paying for unnecessary coverage but you have enough to replace your RV in a worst case scenario.
You can save on RV insurance with discounts — including safe driver, bundling, paying upfront and more.
RVs with security systems have lower risk and lower premiums. Security features include cameras, sensor lighting and alarms.
If you’re hitting the road regularly, your premiums will be different from someone who keeps their RV parked in the same spot all year round.
How much your RV is insured for will determine what your premiums look like. Shiny new RVs cost more to insure than an older one.
What does RV insurance cover?
|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 steals or damages your RV.||
|Your RV is damaged from a fire or storm.||
|You run into a tree.||
|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.||
How does RV insurance cover my personal belongings?
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, CDs and DVDs, clothes, entertainment systems, televisions, personal belongings, furniture, furnishings, jewelry, tools and more, as well as food spoilage following an insured event.
Some insurance providers offer the option of taking out a higher level of coverage for your RV contents or increasing the insured limit for specified valuable items. You’ll need to pay extra to take advantage of this option.
How much RV coverage do I need?
You’ll need to take several factors into account in order to determine the right level of coverage for your situation. Consider these carefully when comparing touring or static RV or camper trailer insurance quotes.
- How much is your RV worth? Consider how much it would cost to repair or replace your RV following an insured event and make sure your total coverage maximums can cover the costs. If your RV is brand new, you’ll probably want a policy that offers new RV replacement. Owners of older RVs should do a little research to determine the market value of their RV.
- How much do you use your RV? Is it an on-site RV or a touring RV? How far will you be traveling and through what kinds of terrain? Are you planning one big trip or several smaller trips? Typically, more use means more coverage needed.
- What risks do you need your policy to cover? Liability is almost always required, while adding collision is generally a good idea. You can also add other coverage on top of those two. You might want coverage for roadside assistance in case of a breakdown if you take many road trips. If you travel with expensive belongings, consider adding contents coverage. If you stay at campgrounds, comprehensive covers you for fire, theft or vandalism.
What RV insurance exclusions should I be aware of?
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:
- Old damage or faulty repairs
- Tires popping, breaking or bursting
- Rust, corrosion, gradual deterioration or wear and tear
- Mechanical, structural or electrical failure
- Faulty design or workmanship
- Fusion of electric motors
- Any item that explodes
- Any item with leaking liquid
- Water damage except during storms
- Landslide or erosion except during storms
- Mold or extreme temperatures
- Falling tree
- Vermin, rodents, insects or birds
- Legal impound
- International driving
- Failure to secure your RV after an accident
- Unlawful use of the RV
- Towed vehicles and trailers
- Travel outside the US
How to keep your RV safe
Avoid making a claim or risking your RV and your belongings with a few helpful tips to protect your RV.
✅ Lock it up. Invest in security devices such as wheel clamps or hitch locks to reduce the risk of thieves hooking your RV up to their vehicle. You may also want to install a tracking device.
✅ Security matters. Install security alarms to further deter thieves. A security camera or system could also be a good idea.
✅ Hide your valuables. To ensure that your RV isn’t an attractive target for thieves, hide your valuables so they can’t be seen from the outside.
✅ Get photographic evidence. Take photos of the inside and exterior of your RV that you can provide as proof to your insurer following theft or malicious damage.
✅ Join a club. If you regularly travel with the other members of an RV club or group, you can enjoy safety in numbers and may also be able to take advantage of insurance discounts.
Does my tiny house need RV insurance?
You’ll typically need homeowners insurance if your house isn’t mobile and is on a permanent or semi-permanent foundation. You may be able to get coverage through a traditional homeowner’s policy or a manufactured or mobile home insurance.
If your tiny house is on wheels, most states require you to carry vehicle 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, you’ll need to look into specialty insurance.
If your tiny home is financed, the lender will likely require you to carry insurance, whether it’s mobile or stationary.
Types of tiny house insurance to consider adding to your policy
- Contents coverage
- Medical payments
Driving, storing or living in your RV
You can adjust the coverage on your RV based on whether or not you’re currently using it to travel.
Insuring a stationary RV
If you’re storing your RV or leaving it parked for a significant length of time, you can reduce your coverage in order to save money. While you’ll generally still want comprehensive coverage in case of fire, storms or theft, you can probably get rid of your liability, collision, towing or vacation liability coverage. You might also want to add contents coverage if you store a lot of expensive items in your RV.
But keep in mind that in most states, you’re legally required to have liability coverage to be on the road. That includes short trips, like driving your RV to a mechanic or moving it to a different storage facility.
Insuring an RV on the road
If you’re planning on taking your RV out on the road, you’ll need to make sure it has liability coverage. You may also want to consider adding collision and comprehensive coverage so that it’s fully insured.
Talk with your insurer about what optional add-ons might be a good idea based on your planned trips. For example, vacation liability coverage covers property damage and bodily injury while your RV is parked at a campground or RV park.
Insuring an RV you live in
If you live in your RV, your policy might look more like a mixture of home-owners, 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. Compare your policy options to find the coverage you need to relax and explore America in style.
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