Planning any RV trips this year?
If you're looking to get away this summer, it’s time to dust off your motor home or camper trailer.
You’ll have plenty of company. RV ownership, which includes motor homes and campers, hit a record-high 11.2 million households in the U.S. in 2021, up 26% from a decade ago.
Making sure that your mobile home or camper is properly insured is essential. A sound insurance policy provides protection in the event of a crash, injuries, vandalism, theft, and other unfortunate events, allowing you to go confidently wherever the road takes you.
Here’s what you need to know to find the right RV insurance coverage for your needs.
Do I need RV insurance coverage? Yes, you do! Nearly every state requires RV owners to have a minimum amount of liability coverage if they drive their vehicle on the road. However, liability coverage requirements can vary depending on where you live.
Let’s say your state requires at least $30,000/$50,000/$10,000 in liability coverage for an RV. You’d need, at a minimum, bodily injury insurance that covers $30,000 per person, $50,000 per accident, and $10,000 per accident for property damage.
Insurance works differently if you’re towing a camper or travel trailer. In those instances, the insurance policy on your primary vehicle—the one that’s doing the towing—extends to the camper or trailer being towed.
Additional coverages for motor homes. There are several optional insurance coverages that apply to RVs on top of basic liability coverage. They include:
- Comprehensive/Other Than Collision coverage. We strongly recommend purchasing Comprehensive/Other Than Collision insurance, which covers your RV for scenarios beyond your control, including vandalism, theft, fire, weather-related incidents, and collisions with animals, etc.
- Safety glass replacement. This provides coverage for the repair or replacement of the windshield.
- Custom equipment. This covers damage to equipment not originally installed by the manufacturer, such as a satellite dishes and bicycle rack.
- Vacation liability. This coverage pays for bodily injury and property damage that occurs at a vacation site, like a campground or trailer park.
- Towing and roadside assistance. If your RV breaks down, this coverage will pay for towing and roadside assistance fees. Roadside assistance typically includes service for dead batteries, flat tires, and lack of fuel.
- Mexico travel. If you’re going to be crossing the southern border, you’ll need a special insurance policy for your RV.
How much does RV insurance cost?
Full-time RV insurance costs $2,000 to $3,000 a year on average; annual premiums for part-time users start as low as $200. But like standard car insurance, motor home insurance costs can vary widely depending on your vehicle, coverages, and insurance provider.
Contact Us
Give our internal affiliate agency a call if your recreation plans include a motor home, RV, or travel trailer. The right coverage is key – and not as simple as it may seem. They will help ensure you can take to the road with full confidence in your coverage.
Call Electric Insurance Agency, LLC, at 800.373.5793 Monday through Friday, from 8:00 a.m. to 8:00 p.m. ET. for a free quote.
