RV insurance protects your motorhome, travel trailer, camper, fifth wheel, etc. You can choose from a variety of coverages meant to protect your vehicle and provide peace of mind on trips and vacations or if you use your RV as a permanent residence. If you’re driving a motorhome, you’ll also need liability coverage to stay legal on the road.
How does RV insurance work?
When you buy RV insurance, your agent will ask simple questions about you, your RV, and how often you use it. You’ll then select coverages that will best protect you and your vehicle. If you damage your vehicle or you’re responsible for someone else’s damages or injuries, you’ll file a claim with your insurer. If your claim is covered, they’ll pay for the losses or injuries up to your coverage limits.
Do I need motorhome insurance?
Yes. You must have at least the state minimum for liability, since motorhomes are driven and not towed. When quoting motorhome insurance, all insurers will let you know the minimum requirements in your state. Failure to carry liability insurance could result in a revoked license, fines, or even jail time.
Do I need travel trailer insurance?
Because you’re not actually driving your travel trailer, you aren’t required by law to have insurance on a vehicle that you tow with a car or truck. However, your travel trailer is often a valuable asset, and should be protected the same way you insure your home, car, etc.
Most travel trailer policies include comprehensive coverage. It’s up to you if you want to add collision, but most financers will require you to carry both.
- Leave early. According to the Governors Highway Safety Association, speeding plays a role in approximately one-third of traffic deaths. If you have a long commute, build a few extra minutes into your schedule so you can stick to the speed limit and accommodate for heavy traffic. And stay alert throughout the drive — even if it’s a familiar commute. Be prepared for your exits, make lane changes early so you’re in the correct turning lane and listen to traffic reports to be prepared for situations that could cause delays.
- Wear appropriate footwear. Your shoes could affect your ability to control your car in some situations. Open-heel shoes can slip off and wedge under pedals, while high heels can catch on floor mats, delaying acceleration or braking. Wear sneakers or low-heel shoes while driving — and slip on your work shoes once you’ve arrived.
- Drive distraction-free. Avoid anything that takes your hands off the wheel, your eyes off the road and your mind off driving. This includes using your cell phone (even hands-free devices), grooming, changing radio stations and other common distractions.
- Avoid aggressive driving. Mornings can sometimes be stressful. Add a busy roadway, and that can compound. Be cautious to curb your road rage and avoid becoming the target of an aggressive driver.
- Shield against harsh sunlight. Morning and evening commutes sometimes coincide with sunrise or sunset. In addition to using the car’s sun visor, wear a pair of polarized sunglasses and keep your windshield clean to maximize visibility. Also reduce your speed, leave extra space between you and the car ahead of you and turn your headlights on so other drivers can see you better.
1. Your Coverage And Deductibles
2. What You Drive
3. How Often, And How Far, You Drive
4. Where You Live
5. Your Driving Record
6. Your Credit History
7. Your Age, Sex, And Marital Status
- Towing — If your car breaks down, Roadside Assistance pays to tow it anywhere usually within like a 15-mile radius. It also pays to tow your car to the nearest qualified repair facility, even if it’s farther than 15 miles away.
- Flat Tire Change — We’ll send a professional to you who can change your tire and put the spare on while you wait.
- Locksmith Service — If your keys are lost, stolen or locked in the car, Roadside Assistance covers you. We’ll send a qualified service provider to help recover them. If the keys need replacing, you simply pay for the cost of the keys.
- Battery Jump-Start — When your battery dies, we’ll come to you and jump-start it.
- Emergency Fuel and Fluid Delivery — If you run out of gas, you can have fuel delivered to you. You simply pay for the cost of the fuel; delivery and service are free. Same goes if your car overheats: We’ll deliver the necessary fluids to get you running again, and you pay only the cost of the fluids.
- Personal possessions – coverage for your things (clothes, furniture, electronics, etc.) up to your coverage limit after your deductible.
- Personal liability – coverage if you’re ever legally responsible for an injury or property damage.
- Medical payments – coverage for medical expenses if someone (other than a resident) gets hurt in an accident at your place.
- Additional Living Expenses – coverage for extra temporary living expenses if your place is damaged and becomes uninhabitable.