Whether we like to admit it or not, most of us have at least thought about leaving our routine, busy lives behind and touring the country in an RV. But, even on such a journey, you need to prioritize safety so you can travel with complete peace of mind. That’s why RV insurance has become such a popular policy for people who rent or even buy this vehicle. Of course, a lot of questions pop up in your mind when looking to find the best RV insurance available.
We’re here to answer them all.
Is RV Insurance Required?
To legally operate an RV of any size or design, you must at all times be covered by liability insurance. Obviously, it’s necessary to get a lot more than liability insurance if you are paying off a loan on your RV.
It’s also crucial to keep in mind that certain campgrounds demand that campers carry RV insurance. If that’s true, they won’t let you stay without seeing current proof of insurance. In any case, you need the best RV insurance policy to get maximum coverage.
Different Types of RV Insurance
Buying insurance for your RV is a bit different from purchasing a policy for your car. Here are the different RV policies that you might need:
RV insurance must include liability coverage. If you’re found guilty in an accident, you may be held financially liable for any related injuries or property damage. Plus, liability insurance can shield you from financial harm by taking care of these expenses.
Collision coverage is essential since it will cover your RV’s damages in the event of an accident, no matter who is to blame. Because RVs are heavier than a lot of modern cars on the road, they can sustain much more damage in collisions, which is why having collision insurance is crucial.
Comprehensive coverage can cover you against any damage that is not accident-related. Theft, fires, and catastrophic events are a few examples of this. RVs are particularly prone to these kinds of disasters since they usually stay put for a long amount of time, so this is a must-have in your RV insurance plan.
You can have valuables coverage for your RV if you need to cover both the RV and the stuff inside. This is one of the more important optional policies you can get for your RV. The best RV insurance plans usually include this under their policy.
Optional RV Insurance Policies
In addition to these essential policies, it’d be much better to add some plans like roadside assistance, towing costs, and other things that you’re not required to have, but can save you a lot of time, money, and headaches in a time of trouble.
If you find yourself alone on the road because of a technical problem or accident, roadside assistance coverage offers a range of services, such as towing, fueling, unlocking the doors, and even jumpstarting the battery.
With this type of policy, you can get extra coverage for things you put in the RV, including furniture, gadgets, clothes, tableware, and camping gear.
If another person gets injured inside your RV, vacation liability insurance offers extra coverage. If they (even your pet!) damage a piece of property while being in your RV, you can get coverage for that as well.
What is Not Included in RV Insurance
Although RV insurance essentially covers anything related to RVs, including owners and possessions, some things are not covered.
Insurance often does not cover vehicle damage brought on by insects, rats, birds, or other animals on the site of parking. It may exclude coverage for water damage. But, it includes damage brought on by things like broken pipes, leaking appliances, and fallen tree branches.
The Cost of an RV Insurance Policy
The typical cost of RV insurance varies widely depending on a number of variables, including the kind of RV you buy and where you live.
If you simply need basic protection, it’s nearly always possible to get affordable policies because the best RV insurance plan is not always the cheapest. But if you decide to buy extra policies like those mentioned above, the cost of your RV insurance goes up.
Ways to Get the Best RV Insurance Rates
Here are some ways to lower your rates if you need to keep your insurance costs to a minimum.
Consider Bundle Discounts
If you have many plans with the same insurer, you typically qualify for a multi-policy discount. Get a quote that covers all of your other insured items so you can decide if it is cost-effective to combine your policies.
Pay Attention to Where You Park
Your insurance costs are impacted by where your RV is kept. You shouldn’t expect to get the best deals by parking in an area that’s prone to natural disasters. Find a safe place to put your RV when you don’t use it to travel around.
Accurately Estimate Your Time in the RV
You might be eligible for a discount if you only use it on occasion. To get the best RV insurance policy, see how long you typically stay in your recreational vehicle.
Pay More in Deductibles
You can raise the deductible to reduce your premium rates. Make sure you have the money to cover the deductible because you never know when you may need it.
Safety is a key consideration when determining your insurance premiums, whether you have an RV or any kind of car. Keeping your insurance costs from rising will depend in part on how safely you drive.
Best RV Insurance in Harrisburg, PA
Of course, with all the options available on the market, it may be hard to find the best RV insurance agency for you. While every agency has benefits and drawbacks, the best RV insurance provider is generally an agency that can tailor their policies based on your specific needs while offering a flexible payment plan that fits your budget.
Luckily, that’s exactly what we do at The Kind Insurance because we believe that it’s much easier to enjoy life when you know you’re safe in times of crisis. You’re just a phone call away from getting your unique, affordable plan.