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The Importance of RV Insurance

Before heading off on an RV vacation, make sure you have insurance.

Whether you own the RV, or are leasing or renting one, RV insurance is your responsibility, and it’s an important part of operating an RV. 

Some people assume that their car insurance policy also covers their RV, but this isn't often the case. An RV insurance policy is a separate policy, with separate terms and coverage options.

RV insurance is required whenever the RV is a motorhome that is to being driven on the road, if the RV is a rental, or if it is still being financed.

Here is some of the coverage options that an RV insurance policy can offer.

Accident Coverage
Like any vehicle, it’s important to have RV insurance in case the RV is involved in an accident. Because an RV is much bigger than an ordinary vehicle, the potential damage that an RV can cause is greater than an ordinary vehicle, which is one reason why it’s important to have comprehensive coverage on your RV.

Liability Coverage
Much like liability insurance for a home, it’s important to have liability insurance for your RV as well.

RV liability coverage is important for two reasons –the risks on the road and the risks of third party injury inside of the RV.

If an RV is involved in an accident, there is the chance of the other driver claiming that the RV driver couldn't see and is therefore at fault.

The other reason for RV liability insurance is in case someone was to become injured while in the RV. In this case, the RV owners could be potentially held liable, even if the accident wasn't directly their fault.

It is important to look for an RV liability policy that contains both bodily injury and property damage coverage.

Theft and Property Damage Coverage
Make sure you have property coverage on your belongings. Since you will most likely be taking belongings with you on your trip, you will want to make sure that you are covered in the case of theft or property damage. Electrical problems and water damage are other risk factors that should be taken into consideration as well.

Roadside Assistance
In addition to these coverage options, you can also take out roadside assistance coverage in case of a break down. Since RVs are much larger than most vehicles, the cost of towing an RV is also generally higher than that of a regular vehicle.

If you are planning to buy, rent, or already have an RV and are looking for insurance – be sure to talk with an agent today to ensure you are have enough coverage. Having the right insurance policy can provide you with peace of mind during your RV vacation.


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