If your use a motorhome or travel trailer as your main residence, or if you drive one of those vehicles occasionally, then you need Recreational Vehicle Insurance, also known as RV Insurance.
When it comes to motorhomes, you should at least have the state minimum coverage for liability. If you are towing a travel trailer, you are not legally required to insure it because you are not actually driving it, but covering it is a smart move, since they are valuable assets.
This article will provide you with the basic information you need to understand RV Insurance policies so you can make an informed decision when you decide to purchase one.
Two Categories to Keep in Mind
Recreational Vehicle Insurance is usually divided into two categories: Recreational and Full-timer’s Insurance.
Recreational insurance is for those who use their motorhome or travel trailer only occasionally. Full-timer’s insurance, on the other hand, is for people using a motorhome or a travel trailer as their primary residence.
Standard Coverages of RV Insurance
- Comprehensive: Protects your RV from theft, vandalism, windshield damage, impacts with animals and acts of nature.
- Collision: Covers impacts with other vehicles or objects, such as a guardrail or fence.
- Bodily injury and property damage liability: covers damages or injuries you cause while you drive your Recreational Vehicle.
Extra Coverages of RV Insurance
Depending on your specific carrier, you may be able to add some special coverages to your basic policy. This allows you to customize your policy according to your personal needs and your lifestyle. Some extra coverages include:
- Roadside assistance
- Total loss replacement
- Personal effects
- Vacation liability
What Factors Can Impact Your Premium?
As with any type of insurance, RV Insurance is subject to factors that may increase or decrease your premium. For example, a big, state-of-the-art motorhome is usually more expensive to insure than a smaller, older model.
Your experience driving a motorhome or a travel trailer is also an important factor, as driving Recreational Vehicles takes a specific set of skills. If you have been driving travel trailers or motorhomes for a long time, your premium will tend to be lower, although other factors also have an impact.
Our experts at Delgado’s Insurance will help you find an RV Insurance policy that satisfies your individual needs.
Contact us today by telephone (951-361-0084, 909-421-9003), email or through our social media accounts to get a free quote and learn more about our RV Insurance options. Our agents will be more than happy to assist you so you can find the coverage that makes the most sense for you.