At first glance, finding insurance for your RV might seem like a complex project. After all, how do you
insure your home-on-wheels?
Never fear. Not only can your dealer and your lender both provide you with RV insurance, but there are
also many other firms that specialize in RV insurance.
Like shopping for auto or home insurance, it's best to shop around. One option is to discuss insurance
with the dealer if you are considering an RV purchase. Chances are good that you can purchase insurance
through the dealership.
There are also several reputable firms which specialize in RV insurance. At the end of this article
you will find a list of these firms you can contact when shopping for RV insurance.
When you shop, the Recreation Vehicle Industry Association recommends you keep these items in mind:
Motorhome policies should cover:
Liability
Comprehensive and collision coverage
Emergency living expenses
Furnishings, fixtures and appliances
Towing and labor costs
Fire department service charges
Uninsured motorist insurance
Policies for travel trailers, truck campers and pop-ups should include:
All-risk comprehensive coverage
Vacation liability for emergency motel and meal expenses
Towing
Fire department services
Other considerations:
There are several other factors you should know when purchasing insurance.
First, your coverage needs may change if you use your RV for different purposes at different times of the
year. For example, if you camp only on weekends for part of the year then load up all your belongings to
spend several months away from home, you may need additional coverage during the snowbird season.
Second, if you have a homeowner's policy, know which items in your RV are covered by that policy and which
aren't. Consider additional theft or damage coverage for any personal items that are not covered by your
homeowner's policy. Also, if you decide to sell your house and RV full-time, you will need additional
insurance for items once covered by your homeowners policy.
Third, if you decide to use the same insurance carrier that you use for automobile insurance, you should
know that if extensive claims are made against your RV this could affect your car insurance rates. Check
with your automobile insurance carrier if you need more information about how your auto and RV policies
may be linked.
Insurance can be tailored to meet your specific needs. Whether you RV full-time or only camp a few days
each year, you need a good policy with which you feel completely comfortable. Then you can relax and enjoy
all the great opportunities the RV lifestyle has to offer.
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