Do You Need Separate Insurance on an RV?

RV insurance requirements vary by state. Some states require motorhome owners to carry liability insurance, while others do not. In states like Florida or South Dakota, you’re not required to carry liability insurance on a motorhome that is a certain size or weight.

However, if you’re financing your RV, your lender may require you to have comprehensive coverage. So make sure to check with your state’s Department of Motor Vehicles to find out exactly what insurance you need.

Even if you’re not required to have separate RV insurance, it’s still a good idea. Many basic auto insurance policies don’t cover the types of damage that can occur to an RV, such as objects falling on your RV or the RV tipping over.

And since your RV is often your home away from home, you want to make sure it’s protected in the event of an accident or weather-related incident!

Even if you’re renting an RV, you should also consider purchasing separate insurance. Many RV rental companies offer insurance, but it may not be enough to cover all damages and personal property. This means that if something goes wrong, you could be left with a hefty bill.

What Are Some Common RV Insurance Coverages?

If you’re a proud RV owner, you understand that your RV is more than just a vehicle. It’s a home on wheels, a symbol of freedom, and a gateway to endless adventure. But as much as you love your RV, you know that accidents can happen on the road, and that’s why RV insurance is a must-have. Each policy will vary, but here are some common coverages.

Comprehensive and Collision

This coverage will take care of damages caused by accidents, weather-related events, theft, or vandalism. Collision coverage will cover damages caused by colliding with another vehicle or object, while comprehensive coverage will cover anything outside of collisions.

Property Damage and Bodily Injury Liability

Liability insurance is also an essential coverage that every RV owner must have.

On a similar token, property damage and bodily injury liability will provide coverage for any damages that you may cause while driving your RV. This includes damages to other vehicles, properties, or injuries to other people.

Uninsured/Underinsured Property Damage and Liability

Sometimes, even with liability insurance, accidents happen with drivers who do not have insurance – or do not have enough insurance to cover the damages they caused. That’s where uninsured/underinsured property damage and liability coverage comes in.

This coverage will provide protection to you and your RV in case of an accident with an uninsured/underinsured driver.

Medical Payments

If an accident happens on the road, medical payments coverage will provide protection for any medical expenses you and your passengers may incur. This coverage will take care of anything from hospital bills to medications, surgeries, or rehab.

Coverage if You Live in Your RV

If you’re a full-time RV dweller, you’ll want to consider extra coverage under the full-timer’s liability and loss assessment. This coverage will provide you with liability protection that extends beyond typical car insurance coverage, as well as protection for your personal belongings inside the RV.

Roof Protection

Usually an extra cost item, roof protection is worth considering if you’re often parked under trees or in areas with a high concentration of pests. This coverage will take care of any damage caused by wild animals or pests to your RV’s roof.

Replacement Cost/Personal Effects

This coverage will take care of personal property that is damaged or stolen while inside your RV. Personal property can include valuables such as phones, laptops, jewelry, or sporting gear, as well as cooking equipment and other items used daily.

What is Not Covered By RV or Motorhome Insurance?

While RV and motorhome insurance policies vary in coverages, there are some common things that may not be covered by your policy.

Damage from Wear and Tear

While motorhome and RV insurance are designed to protect your vehicle from damages caused by unforeseen events, they typically do not cover damages that accrue over time, such as general wear and tear.

Aging units may experience delamination, rot, and fungi. Insurance will likely not cover damages that happen naturally.

Mold Damage

Mold is a common problem in most RVs and motorhomes, especially when there is high humidity. Most insurance policies do not include mold damage coverage. Proper upkeep and maintenance can help prevent mold from occurring, so you don’t have to worry about footing this potential bill.

Earthquake and Flood Damage

Whether or not your RV or motorhome is covered for earthquake and flood damage often depends on your location and insurance policy. If your RV is stationed in or traveling to an area that sees frequent natural disasters, you may need additional coverage to protect it from unexpected natural disasters.

Regular Maintenance and Repairs

Regular maintenance and repairs are important to keep your RV or motorhome in tip-top shape. However, routine maintenance and repairs are typically not covered by insurance policies. This financial responsibility usually falls on the owner of the vehicle.

Personal Property

Another aspect of building an RV or motorhome insurance policy is personal property and belongings. Standard insurance policies typically do not cover personal property such as TVs, electronics, and other belongings in your RV.

That said, additional policy options are available to cover personal belongings and furniture so you can purchase these as an add-on.

How to Get RV Insurance

Getting RV insurance is a simple and straightforward process.

You’ll need to gather the necessary information about your RV, including its make, model, year, and VIN number. Then, contact IIS Insurance (Incorporated Insurance Services) and request a quote based on your coverage preferences and budget.

You may also qualify for discounts if you bundle your RV insurance with other insurance products, have a good driving record, or belong to certain affiliations or groups. Once you choose your policy, make sure to understand its terms and conditions, pay your premiums on time, and update your coverage as needed.

Getting RV insurance may seem daunting at first. However, with the right knowledge and guidance, you can make an informed decision and protect yourself and your precious RV from unexpected losses and liabilities.

At IIS Insurance (Incorporated Insurance Services), we are committed to helping you navigate the complex insurance world and find the best RV insurance options that meet your specific needs. Contact us today to learn more about our RV insurance services and how we can assist you. Happy camping!