Auto Insurance for Recreational Vehicles (RVs)
Recreational vehicles are like a second home, and like a home, you’ll want to insure your RV. Standard auto insurance does not provide the specialty coverage you need when you own an RV. Most auto insurance providers also offer RV coverage, but you’ll need to check with the individual insurance company to be certain.
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Companies Offering Reacreational Vehicle (RV) Insurance
Some insurance companies that offer coverage for recreational vehicles include:
If you want your RV to be adequately covered, it is a good idea to purchasing an insurance plan designed specifically for your recreational vehicle. Without a specialty RV policy, you may have gaps in coverage.
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Auto Insurance Coverage Options for your Recreactional Vehicle (RV)
When purchasing insurance for your RV, some of the coverage options typically available include:
- Total loss replacement coverage: Protects you against depreciation should your RV be damaged or stolen. In such an event, you will receive the full replacement value of your RV.
- Purchase price coverage: Applies to recreational vehicles less than 10 years old and pays you the full amount of the original purchase price if something happens to your RV.
- Agreed value coverage: Locks in an agreed upon value based on an appraisal. This is the amount you receive if your RV is damaged or stolen.
- Disappearing deductibles: For every year you remain claim free, your collision and comprehensive deductibles will be reduced.
- Personal content coverage: Covers all the personal items you take with you in your RV, such as clothing, tools, or sporting goods.
- Towing and roadside assistance
- Campsite liability: Covers you against bodily injury or property damage at your campsite if you are found to be at fault.
Each insurance company may offer a variation of the above coverage options, but these options are fairly common among the different insurance companies. An authorized recreational vehicle insurance agent can help you determine what level of coverage you need.
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*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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