Why Should I Get Recreational Vehicle Insurance?

Insuring Your Recreation Vehicle is Important!

By the end of 2021, 11% of American households reported owning Recreational Vehicles (RVs). The trend to travel with your own comfortable home, nestled right behind the driver’s seat, has expanded over the last few years. Whether it be the boundless beauty we have just outside our mobile doorsteps, or the affordability and accessibility these RVs bring to each trip, they are worth having around – and even more, worth keeping protected appropriately!

What is classified as a “recreational vehicle”?

a temporary dwelling, for travel and recreation purposes, and licensed as a motor home, camper or travel trailer.

This includes:

  • – Fifth Wheels
  • – Conventional Camper Trailers
  • – Pop-Up Campers
  • – Truck Mounted Campers
  • – Toy Haulers
  • – Utility and Hoist Trailers

Why should I insure my RV?

That’s pretty simple- why not protect the investment you made when you purchased your RV? Not only do RVs hold their investment value from the money you spent on the vehicle, but they also hold their value in the opportunities and adventures they enable.

RVs are also often mounted to their own motor and chassis, putting the true meaning behind motor-home. We insure our homes and our cars because these items in our live matter. They move us through our lives, and they house our lives. Rvs? They do both.

You can insure most motorhomes or recreational vehicles under your personal auto policy. However, specialized recreational vehicle or motor home policies facilitate better coverage. You won’t notice the difference until you need to file a claim, and then the differences become apparent.

What would the insurance cover?

Auto policies pay actual cash value when your vehicle is stolen or totaled, but mobile home and RV insurance companies often offer agreed value coverage. With agreed value coverage, the insurer will pay you the amount you select when you buy the policy in the event of total loss or theft. Some insurers also offer total loss replacement coverage, which will pay for a new RV like the one you own if yours is stolen or suffers a total loss in its first five years.

RV policies can also facilitate unique coverages designed to prevent your vacation from turning into a nightmare. Your homeowners’ policy facilitates only limited coverage for your personal property away from home and puts strict limits on coverage for jewelry, electronics, and other valuables. Most mobile home and RV insurance policies offer better coverage for your personal property carried in the RV, along with coverage for attached accessories, such as satellite dishes and other valuable equipment.

How do I insure my RV?

Covering your home on the road is as easy as chatting with us! Visit our Recreational Vehicles page under our Personal Insurance Services and we can get started with you today.