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Planning an RV Vacation? Don’t Forget the Insurance – Important RV Insurance Policy Options

An RV vacation is something many dream of; and for good reason, a trip in an RV can be a trip of the lifetime!

If you are planning an RV vacation there are some important precautions that you should take before you set out into the great wide open. Having the right insurance can help ensure that your dream vacation isn’t turned upside down in case something goes wrong.

Whether you own an RV, a motorhome, or a fifth wheel -or if you are planning to rent or lease one, it’s important to make sure you have insurance before you head out.

What does RV Insurance provide?

  1. Bodily Injury Liability – Bodily injury liability is important coverage that can indemnify you if you are at fault for an accident that causes injury to your passengers or any third party. It also provides coverage for injuries that a third party sustains while inside your RV.
  2. Property Damage Liability - Property damage liability provides coverage for damage that occurs to a third party’s property, due to an accident involving your RV.
  3. Collision – In case of an accident, collision coverage provides protection should your RV become damaged. Collision coverage will cover the damage that your RV sustains.
  4. Comprehensive – Comprehensive insurance covers damage that your RV sustains in an event other than a collision. This coverage applies for fire damage, vandalism, or if your RV is stolen.
  5. Towing – Towing insurance provides coverage for towing costs. RVs and motorhomes are large vehicles, and therefore more costly to tow.
  6. Personal Belongings – While you are on the road, your RV will become your second home. You want to make sure your belongings are covered in the event of a robbery. Be sure to check if this is included on your policy.
  7. Roadside Assistance - Many insurance policies offer coverage for roadside assistance. 

Who Needs RV Insurance?
If you have a loan out for your RV, your lender will most likely require you to have an insurance policy that covers you in the event of damage, or destruction to the RV. If you are renting an RV, you may be required to take out an additional insurance policy although it’s possible that your vehicle insurance may transfer to the rental. It’s best to check with your insurer to make sure.

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