With sunny skies in the forecast, camping season is rapidly approaching and that means it’s time to talk about RV and camper insurance options for your recreational vehicle. Camping makes great weekend and summer vacations for families, couples and retirement. It’s a much more comfortable and affordable way to travel and around the US and make lots of great memories. We hope it’s all smooth sailing for you, but accidents do happen so make sure you have the right
protections in place.
First, you need to figure out what type of coverage is required by law. If you have a small camper that gets towed by another vehicle then that camper is typically covered under the your car insurance as far as legal minimum liability. If you have a larger camper or a motorized RV then you will need separate RV insurance. The RV is an interesting combination of residence and vehicle and needs an insurance policy that reflects that classification.
Typical auto insurance wouldn’t cover appliances, plumbing issues and accessories necessary to RV living. You can get typical auto coverage options like liability and collision or comprehensive coverage but you may also want to protect your investment further by covering your personal possessions and attached accessories. Additional coverages you can add on include:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside coverage
- Full-timer coverage if your RV is your full time residence
- Uninsured and underinsured motorists coverage
Don’t let an accident, theft or weather damage ruin your vacation investment by not carrying the proper coverage. Monthly premiums vary across many factors for RV insurance but you can lower monthly premiums by opting for a higher deductible. With peace of mind you can enjoy many fun weekends and getaway with your family. RV travel and camping gives you the best of both worlds when camping for people that enjoy sleeping both indoors or outside. You can have your travel and lodging all in one and use your RV over and over again for years to come. It’s a great recreational vehicle to own and we hope you have an incredible summer!