Whether you are exploring the country full-time in your motorhome, or just getting away from it all on the weekends in your tent trailer, your RV is part of your lifestyle and often represents a significant investment. We compare rates and policy coverage with multiple top insurance companies, which means you’ll get the RV insurance that is right for your motor home, fifth wheel, travel trailer, camper, or toy hauler at the best rate.
Coverage Options for RV’s
Motorhome owners are required to have limited liability coverage. Towed vehicles usually have limited liability coverage. Towed vehicles usually have limited liability coverage through their auto policy, but this only covers injury or damage to another person or their property. It doesn’t cover you, your family or your property. RV insurance help fills this gap.
If you are the original owner and your RV is less than five years old, you may consider full RV replacement coverage. If your RV is destroyed within the first five years, this coverage will replace it with the same model and accessories.
Collision Coverage -Pays to repair your RV after an accident.
Comprehensive Coverage – Insures damages not caused by a collision, such as fires, flooding, or hitting a deer.
Personal Property – You take a lot of your personal possessions with you in your RV. Protect your belongings with an RV insurance policy’s personal property insurance.
Towing – If your motorhome breaks down, towing it to a repair shop can be very expensive because it requires special equipment and skill. You can purchase the right amount of towing coverage with your RV insurance policy.
Emergency Coverage – If your RV breaks down away from home, emergency coverage can give you extra peace of mind by paying for housing and transportation expenses while your RV is being repaired.
Vacation home liability insurance – When you are on vacation, your RV is your home away from home. Vacation home liability insurance protects you in case someone is injured in or around your RV, similar to the liability protection on a homeowner’s policy.
- RV insurance can provide coverage for room extensions and awnings.
- If you use your RV as your primary residence, you need insurance similar to a homeowner’s policy.
- Before you leave, make sure your RV is ready. Many RV claims can be avoided by ensuring awnings, antennas, steps and other accessories are in their traveling positions.
- Staying home for the holidays? Winterize your RV.If you plan on not using your RV during the winter, prepare your RV accordingly: Drain the water systems, cover the tires, and make sure the RV is shut down tight to prevent rodents or other critters from entering. In addition, remove batteries and store them in a safe place.
- Give your RV tires a good kick to make sure they are properly inflated. Over or underinflated tires can both be a dangerous and increase the risk of tire failure. Check for any wear and tear or signs of damage.
- Don’t miss your RV check-ups.
Routine RV maintenance can save you time and problems while on the road. Check the roof, body and bottom of the RV for cracks, leaks, or signs of damage. Check gas lines for leakage. Examine the refrigerator, stove, sink and other appliances for any signs of damage.