What Kind of Insurance Do I Need For My RV?

What Kind of Insurance Do I Need For My RV?

December 08, 2022
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So, you finally took the plunge and bought that RV to hit the road and start traveling. Congrats! Having an RV provides endless opportunities for adventure and exploring the outdoors. It’s a fun lifestyle that allows you to travel and experience life to the fullest. 

Now that you’ve invested in this exciting future, it’s important to protect it. Make sure you have the right RV insurance before hitting the road.

What Kind of Insurance Do I Need On My RV?

You can purchase a special type of RV insurance for your RV. RV insurance is specific to recreational vehicles and is the best option if you’re looking to insure yours. You can choose to add extra coverage or other options to your RV insurance, such as: 

  • Insurance if your use your RV full-time
  • 24-hour roadside assistance
  • Total loss coverage
  • Camper liability (for campsites)
  • Extra bodily and property damage liability coverage
  • RV contents coverage
  • Emergency expenses
  • Coverage for anything you may be towing (ATVs, jetskis, etc.) 

What Type of Vehicle is Considered an RV?

A recreational vehicle (RV) is a motor vehicle or a trailer that can hitch onto a car that has a living and sleeping area. While most people imagine a large coach when they think of an RV, any of the following vehicles qualify for RV insurance: 

  • Motorhomes
  • Campervans
  • Caravans
  • Popup Campers
  • Truck Campers
  • Coaches
  • Travel Trailers
  • Fifth-Wheel Trailer

If you own any of these vehicles, you are eligible for and should look into purchasing an RV insurance plan. 

Is RV Insurance the Same as Auto Insurance?

RV insurance is a special category of insurance. It’s like auto and home insurance bundled into one plan because it insures your RV as a vehicle and your living space as a home. 

Is RV Insurance a Good Idea? 

Purchasing an RV is a significant investment that you’ll want to protect. Even though insurance isn’t the most exciting thing to talk about, it’s always a good idea. Without insurance, you’ll be responsible for the entire cost should your RV be damaged or you get in an accident. 

Find The Best Insurance for Your RV

Working with an independent insurance agent means you’ll get tailored services specific to your needs. You’ll get an agent who cares about getting you the best coverage within your budget.

At TruView Insurance, we understand there’s no such thing as a one-size-fits-all insurance policy when it comes to your RV. We’re your neighbors. We protect businesses and people we know and care about, which means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us today, and one of our independent agents will help you learn the details about what kind of insurance you need for your RV.