What is RV Insurance?
RV insurance is an agreement between you and your insurance company that protects your motor-home, travel trailer, camper, fifth wheel, etc. You’ll 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 motor-home, you’ll also need liability coverage to stay legal on the road. But if you’re “pulling” a travel trailer, your state won’t require you to insure the RV, as you’re already covered for liability on your auto insurance policy.
Do I need RV insurance?
Yes. You must have at least the state minimum for liability, since motor-homes are driven and not towed. When quoting motor-home 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.
Contact us to learn more about the right car insurance for you.