Specialized RV Insurance
When it comes to getting insurance for RVs there is a unique set of challenges. Insurance policies for recreational vehicles are different because an RV counts as both a vehicle and domicile or residence intermittently.
While you are driving your RV, we provide you with liability or comprehensive insurance policy for indemnity coverage against other drivers, as well as protection of your motor home, its contents, and its occupants against collision as well as other physical damages.
Once your RV is parked, however, it’s considered a domicile and we will insure it as such. That means we can even include the special provision listed in the “Parked RV Options” sidebar. Basic liability insurance is the very least RV insurance coverage you must purchase whether you own, rent, or have borrowed your recreational vehicle.
Not unlike the liability insurance purchased for cars, this type of recreational vehicle insurance policy is responsible for meeting the state minimum liability limits for proving financial responsibility to operate a vehicle legally.
Basically, RV liability insurance is like your permission slip to operate a potentially deadly vehicle on public roadways.
Although it only meets state minimum liability requirements, liability insurance coverage can and will save you thousands in the event of an accident. Liability insurance on a vehicle assumes the financial responsibility of your actions for you as long as any traffic accidents or incidents for which you file insurance claims are considered qualifying events by your RV insurance policy provider. People who own their motor homes or have borrowed them for a trip are not obligated to purchase full coverage RV insurance, but they often do.
If you have rented or financed your motor home however, you will most likely be required to purchase full coverage RV insurance as well. This is explained below.
Comprehensive & Collision (Full Coverage)
These RV insurance options protect your motor home from collisions with stationary objects, other vehicles, and non-collision damages like natural disasters.
The reason that you are obligated to purchase this more expensive type of RV insurance coverage when you have financed your recreational vehicle is that the finance company needs to be assured that they will get a return on their investment in the event of a loss (destruction of the RV).
Full coverage RV insurance usually protects against damages of all types except flood and earthquake damage. Some other damages from which comprehensive RV insurance will protect your motor home include:
Wind, hail, fire, civil commotion, volcanic eruption, falling objects (debris, tree limbs, airplane parts), and more…
Click on the button below or call 1-800-771-7758 to get free quotes and more information on insuring your recreational vehicle.