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Whether you’re gearing up to begin a summer of camping, or looking to purchase a mobile home and migrate somewhere warmer for the winter, buying an RV is an exciting prospect. With the right RV, you could become a full-time traveler working from the road, or a part-time adventurer heading out on weekends and holidays.
But as with any large purchase, especially of a vehicle, there are a lot of regulations you have to become familiar with. RVs are no exception.
Thankfully, G&G Independent Insurance is ready to get down to the nitty-gritty and help you figure out exactly what you need to hit the road.
Do I Need RV Insurance?
RVs are road vehicles. And as such, they require insurance just as cars do. All states require at least as much coverage for your RV as is required for automobile insurance in that state. However, due to the difference between RVs and cars, a separate, specialized policy is required.
The only time RV insurance is optional is if your RV isn’t a self-propelled vehicle. This means if you have a camper that you can tow, you are not necessarily required to hold insurance for it.
As of 2021, there are only two states that don’t require RV insurance for self-propelled RVs: New Hampshire and Virginia. These are also the only two states that don’t require auto insurance. However, they may have other financial requirements to prove that you can afford to cover yourself in case of an accident, so it’s important to keep up-to-date on your state’s legal requirements.
Even if you aren’t required by your state to hold RV insurance, accidents can be incredibly costly, so it’s always recommended.
G&G Independent Insurance can help you navigate the tricky ins and outs of RV insurance. Contact us today for your free quote!
What Does RV Insurance Cover?
RV insurance has quite a few more options than standard automobile insurance because of the features and customizability of mobile homes.
Like car insurance, RV insurance covers:
- Liability – Coverage in case of an at-fault accident that results in bodily injury or property damage to yourself or others.
- Collision – Compensation to cover damages in case of a collision.
- Comprehensive – Coverage in case of damages not caused by collision, with the exception of excluded causes.
- Uninsured or Underinsured Motorist – Financial protection if you’re involved in an accident where someone else is at fault but does not have the proper insurance to compensate you.
- Medical Payments – Coverage for any medical expenses incurred due to an accident.
But RV insurance also has more mobile home-specific coverage options. Some of these are standard in RV insurance policies, while others are optional.
- Custom Equipment – This can cover parts that were added after purchase, not by the manufacturer.
- Awning Replacement – Compensation to replace or repair a damaged or lost awning.
- Vacation Liability – Coverage that protects you while the RV is stationary and being used as a vacation residence.
- Roadside Assistance – Covers towing up to a set limit of miles in case of breakdown. Can also cover emergency services such as battery servicing, flat tires, lock-outs, etc.
- Full Timers Coverage – Broader coverage for those using their RV as a permanent residence.
- Safety Glass Replacement – Covers your windshield in case of damage.
- Contents Coverage – As an RV is a mix between a car and a house, contents coverage is similar to contents coverage in a home, allowing financial compensation for the items inside your RV.
What Our Customers Say
Does RV Insurance Cover Water Damage?
Some water damage may not be covered in your standard RV insurance policy. Policies that include water damage coverage usually only do so if the water damage is sudden, such as in cases of flooding, heavy rainstorm, or water system failures. If water damage is included, it typically omits water damage caused by:
- Manufacturer defects
- Damage caused prior to you owning the RV
- Wear and tear
- Lack of maintenance
- Regular exposure to extreme temperatures
- Snow or ice buildup
- Water leakage
- Other water-related issues like mold, rot, corrosion, or rust
Most policies don’t allow for additional water damage coverage, so it is important for you to be aware of your policy’s particular allowances. If you live in your RV full time, talk with an agent about the potential for covering RV water damage as a part of your homeowners policy.
How Much is RV Insurance?
RV insurance prices depend on various factors, similar to auto insurance. RV insurance can be full-time or part-time, which will drastically affect the price. The age, condition, and location of the RV are also considered when being issued a quote.
G&G Independent Insurance can help you find the best quotes in your area by searching over 50 companies with the click of a button. Instead of spending weeks sifting through different companies on your own, allow G&G to gather a collection of custom policies for you!
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