RV Insurance for Motorhomes and Travel Trailers

Recreational vehicles (RVs) come in a variety of shapes and sizes. Some RVs are meant to be driven, while others can be towed behind another vehicle. RV insurance for motorhomes and travel trailers provides financial protection for individuals who own these vehicles. Whether you travel full-time or occasionally, it is important to understand RV insurance coverage to ensure peace of mind while on the road.

What Does RV Insurance for Motorhomes Cover?

If you own a motorhome, it’s essential to have insurance that covers all the potential risks and incidents that can happen while you’re on the road. Like insuring a car, RV insurance policies typically include coverage for various situations. The following are some of the standard coverage options provided by most RV insurance policies:

Comprehensive insurance may help cover damages unrelated to an accident, such as fire, theft or vandalism.

Bodily injury and property damage liability may help pay for property damage or bodily injuries you cause while driving your RV and may help cover legal fees resulting from such an accident.

Collision insurance may help cover repair costs if you are involved in a collision.

Uninsured/underinsured property damage and bodily injury may help pay to repair or replace your RV in an accident with an at-fault driver who doesn’t have the appropriate insurance coverage. These coverage options may also help cover medical expenses for bodily injuries you suffer from these accidents.

Medical payments coverage may help cover medical expenses for you and your passengers if you are in an accident involving your RV.

What Are the Factors Affecting RV Insurance Rates?

The following factors may determine RV insurance rates:

• Type, age and condition of the RV
• Whether the RV is used for recreation or as a permanent residence
• Location
• The types of coverage you choose
• The limits you purchase and the deductible
• Driving experience
• Driving record
• Claims history

What Is Travel Trailer Insurance?

Travel trailer insurance is a policy for recreational trailers that are towed behind a vehicle and do not have their own motor. The following are some of the most common types of travel trailers:

• Pop-up campers
• Fifth-wheel trailers
• Toy haulers
• Airstreams
• Teardrop trailers

What Does Travel Trailer Insurance Cover?

Although the liability portion of the towing vehicle’s insurance policy usually covers the travel trailer, some incidents may not be covered. Travel trailer insurance is specifically designed to cover events like theft and property damage that can occur to the travel trailer. Speaking with a qualified insurance provider is essential to determine the best coverage for your situation. Contact Wilkinson Insurance today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.