So you're ready to explore the world in your in your recreational vehicle (RV)? Before you hit the road, we want to make sure you and your RV are properly insured.
As long as you own the type of RV, also called a motorhome, that you drive, you must insure it with its own motor vehicle insurance. In the state of Washington for example, your minimum RV insurance is the same as your minimum auto insurance. You must purchase liability coverage and bodily injury coverage.
Just like your auto insurance, you can add coverage to your RV coverage. You can purchase collision, medical payments, or roadside assistance. You also have two choices that you do not get with auto insurance – contents and full-timer coverage. The former covers the contents of your RV, such as your microwave, luggage, TV, etc.; the latter covers the RV as a home for those who live in it year-round. If you plan to vacation in one campsite for weeks or months, you might choose campsite liability. It covers your RV like full timer insurance would, but only for the vacation duration.
You do not have to insure a trailer or towed pop-up camper. You do have to insure a Class-A, Class-B, or Class-C motorhome.
Since many sizes of RV exist and which coverage types you choose can affect your costs, we cannot provide a flat rate cost. How new your RV, its model, its cost, and the deductible you choose will all impact the premium cost. If you have filed claims previously or incurred tickets, this also affects your cost.
Call or email VIP Insured to learn how you can protect your RV investment.
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