Top Recreation Vehicle Insurance

One may wonder, “Why do I need RV insurance?” When you consider the amount spent on the vehicle, it’s only fair that a sort of protection is set up to cover for future damages and mishaps. Since the price for insurance varies, one must understand the exact type of insurance they need.

Having a recreation vehicle allows one to spend more time outdoors, enjoying a peaceful and relaxing experience. But before choosing a campsite and packing the folding chairs, there are a few things to consider regarding keeping your RV safe.

Many RV’s are stolen each year, coupled with those that fall victim to accidental and weather damages. Having insurance that covers the RV comes with its benefits for people who own one. Insurance ensures your trailer or RV remains protected from theft, damage, and fire. Many insurance providers also offer lay-up cover when the trailer is not used.

This guide will examine how RV insurance policy works, the different types of coverage, and ways of determining these insurance rates.

Key Takeaways

  • The insurance cost will also depend on what you agreed to pay from your pocket.
  • It’s possible to lower the insurance premium by keeping the RV at a particular location for some time and also storing it when not in use.
  • There are no fixed costs as the insurance premium varies from one individual to another and from RV to RV.

How Does RV Insurance Policy Work?

A RV insurance policy works similarly to car insurance by providing peace of mind while you are on the road. The insurance comes in three main categories: static, touring, and folding camper.

  1. Static Insurance – Protects the RV against damage or loss resulting from fire, vandalism, or bad weather. Some covers provided by static insurance include homecare emergency, storm damage, contents cover, and market value cover.
  2. Touring Insurance – Protects the RV against damage or loss from unexpected events. Some covers provided by the touring insurance include: financial help, third-party liability costs, and repair costs
  3. Folding Camper Insurance – Protects the contents stored in folding RV’s or trailer tents, making them easier to insure.

What Does a RV Insurance Policy Not Cover?

Owning a RV gives one the experience of touring the great outdoors while still owning a home. But before hitting the road, it would be wise to know what the insurance policy covers and doesn’t cover. As a result, one would know which camping gear gets coverage and those that don’t.

Motorhome RV camper van on a road trip

Some of the conditions not covered by a insurance policy are as follows:

The Recreation Vehicle Heaviness

Although the government rule allows one to tow heavy trailers and recreation vehicles with a car, the driving test determines how much weight one can pull. Supposing you passed your test after 1 February 2022, the general rule states that your car and RV shouldn’t weigh more than 3500kg. For your insurance to be legally acceptable, you must meet this weight criterion which shouldn’t be a problem. Most family vehicles tend to possess an average weight of around 1500kg, with most RVs weighing a similar amount. Consult your car handbook and RV’s documents to determine the vehicle’s significance.

Uncovered Use

There’s no insurance coverage for RV’s used sparingly and not more often for outdoor activities like camping. For example, one would be ineligible to get insurance coverage if they specify to store the recreation vehicle but secretly use it for day-to-day activities. Another instance is this: supposing one says they’re only using the van on bitumen and not off-road because they wish to get to the far-reaching corners of the countryside, one will not get insurance coverage.

Specific Weather Incidents

The recreation vehicle would encounter certain weather occurrences and ultimately not get insurance coverage. For example: suppose one tows the recreation vehicle into an area where the weather forecast has reported incoming fires or an impending flood, they won’t be eligible for insurance coverage. Similarly, many insurance policies don’t cover damages caused by extreme weather temperatures, erosion, or sea occurrences.

Poor Maintenance and Emergency Repairs

Most insurance policies don’t compensate for emergency repairs or repairs by one’s preferred workshop. They are obligated to take the recreation vehicle to the service agent provided by the insurance company. Be sure not to pay out of your pocket if you have a service you trust with your recreation vehicle. There’s a high probability that an insurance company will reject the claim if one files for repairs on damages due to negligence or inability to take care of the RV properly.

Comparing Policy Offerings: Key Considerations

Making insurance comparisons is essential, especially when buying a new van or trailer. Choosing the right insurance is important, with a wide range of options available. Below are some key points to carefully consider when comparing policy offerings:

Affordability

The cost of a static insurance policy plays a vital role for anyone looking for the best insurance offering. One of the most important questions when looking for a insurance policy is, “Can I afford this?” It will be ideal to further research to determine how long insurance premiums will remain affordable in the future. This research will help plan for the long term while deciding on the best insurance policy to adopt.

Consistency

With thousands of people constantly opting for different insurance providers each year to obtain better service and lower premiums, it is essential to consider the consistency of the insurance provider you have in mind. Going for a lower insurance price makes no sense when it’s obvious that the insurance provider will fold up in a few months. Going for a stable insurance company offering a reliable insurance service is advisable.

Policy Levels

There are a wide variety of policy levels for RV’s. When getting a insurance policy, it is ideal for comparing different policy levels that suit one’s budget and lifestyle. Compare these insurance policies based on official protection, coverage, and price to get the best possible offer. Making policy comparisons enables you to decide which policy level provides adequate coverage at the best price. Comparing insurance policy levels aims to find the right one that balances coverage and cost.

Standard Protection

It is always advisable to choose the right kind of insurance that offers quality protection to one’s RV against future threats and damages. It’s only fair to opt for insurance coverage that protects the RV against natural disasters, theft, and vandalism. As the RV owner, the insurance protects you and all the other occupants against third-party damage to their properties. As the saying goes, quality comes at a price.” The price of quality insurance isn’t that low. Nevertheless, it’s better to go for the best insurance coverage policy in case of any eventualities.

Types of RV Insurance Coverage

Several factors will influence one’s decision when looking for the right type of insurance coverage. The insurance coverage will likely change based on the tow RV model. For example, anyone living out of a RV will be better suited to get static insurance coverage.

Modern Travel Trailer RV Being Towed

Recreation vehicle insurance coverage comes in three main categories, as listed in the below:

  • Folding Camper and Trailer Tent Insurance: The folding camper and trailer tent insurance covers all-year storage and touring, RV replacements, and weather-induced damages. The coverage is perfect for contents stored in folding RV and trailer tents which are difficult to insure.
  • Touring Insurance: The touring insurance provides coverage for RVs towed behind a car. It also includes “New-for-old” RV replacement coverage.
  • Static Insurance: The static insurance provides coverage for RV’s parked in fixed locations like seaside resorts or recreational parks. When moving the static RV’s to a new site, ensure “goods in transit” insurance to protect the van in case of theft, accident, and fire.

Essential Tips for Reducing RV Insurance Costs

RV insurance aims to protect its owner against damages and theft incurred, just like other regular car insurance. The overall insurance cost is bound to increase due to the accessories and personal equipment with the RV. When calculated, the total insurance premium turns out to be a pretty hefty sum.

Some crucial tips for reducing insurance premiums include:

Joining a RV Forum

Most insurance providers are more than ready to offer “club discounts” to all members of a forum or club. Formed based on business relationships, these forums and recreation vehicle camping clubs collaborate with insurance agencies to offer discounts to members who belong to these forums. Nature is unpredictable, and certain disasters could happen at any time. Joining a club gives one the right to gain insurance benefits and accessories if the worst happens.

Improving Your RV Security

Some insurance providers will be willing to offer a discount on the insurance premium, provided that the recreation vehicle has specific features such as an alarm and tracking system, locking mechanisms, and a trailer-based electronic stability system. With RV theft on the rise in recent years, reinforcing the RV’s security system could be one chance of attracting a discount on insurance premiums. Most insurance providers may demand wheel clamp and hitch lock as the minimum standard, but going the extra mile for anti-theft systems and devices will increase the chances of getting a better deal.

Adding RV Safety Devices

recreation vehicle owners can lower insurance costs and risks by being safety conscious and adding devices that facilitate effortless towing and maneuvering. Most recreation vehicle come with built-in safety devices like anti-traction control or anti-snaking. These safety devices help reduce the odds of tire blowouts, accidents, and jack-knifing. The availability of all these safety devices attracts a discount. Ensure to get all the possible deals by letting the insurance provider know of all RV’s security and safety devices.

Choosing Your RV Insurance Cover Levels

One tricky way of lowering insurance costs is by removing unwanted extra covers. For instance: Most insurance policies offer optional cover for European travels. Hence, one can consider removing the optional benefit if there are no plans to travel abroad in the RV. Similarly, other policies offer emergency accommodation for people unable to stay in their RV. One can reduce insurance premiums by removing this optional accommodation offer. The procedure is straightforward; increasing your excess is an excellent way of lowering insurance premiums.

Ways of Determining RV Insurance Rates

Have you ever wondered why insurance rates vary from one insurance company to another? Insurance companies often tell their customers, “The higher the premium, the more coverage you get.” But the amount charged by these insurance companies doesn’t tally with the information provided. 

An insurance company determines the insurance costs for RV’s using various statistical data such as overall vulnerability to damage, safety ratings, replacement costs, and theft rates. Insurance premiums also change based on the driver’s location and driving history.

Factors that determine insurance rates

Driver History – The driver’s history is one of the main factors determining insurance rates. The driver’s gender, age, location, and driving records are vital in knowing the insurance premium’s exact amount. In addition, if the driver exhibits certain reckless behaviors, the recreation vehicle won’t get adequate coverage.

Type of RV – The model and type of recreation vehicle have a considerable part in determining the insurance rates to be paid. There are different insurance rates for other recreation vehicle models. For example, a touring insurance policy covers the recreation vehicle to tow with another vehicle since the regular car insurance won’t cover the towable object. On the other hand, static insurance policies are more similar to homeowner’s policies since they cover RV’s used for residence.

Recreation Vehicle Location – Another factor that determines rates is the location of the RV. The parking spot and where one transports the recreation vehicle also affect the insurance rates. An insurance provider uses data and statistical information from their state and vicinity to compute the rates. Populated areas with high theft rates and traffic will ultimately lead to higher insurance premiums.

Value of Personal Belongings – The value and worth of items and personal belongings inside the recreation vehicle is vital in determining insurance rates. People who use the recreation vehicle as a place of residence tend to possess more personal belongings, which will lead to increased rates. In addition, if one owns expensive items within the recreation vehicle, they can equally expect higher insurance premiums.

RV Insurance Companies

There are many choices for people looking for recreation vehicle insurance. Depending on how often you take your RV out on the road, different companies will be a better match. If you’re traveling full-time, more comprehensive coverage will be needed compared to those who only take to the roads on weekends and vacations. Comparing different companies’ offerings will be important to ensure you get the coverage you need at the best price possible. Depending on how many miles you put on your RV, it may be possible to find a company that provides a basic level of coverage that fits your needs and won’t cost any more than necessary.

To help you make the best decision possible, we’ve put together a list of some of the top RV insurance companies. This list can be a good starting point in your search for the best insurance coverage for your individual situation. Some companies may be a better fit for your lifestyle and coverage requirements if you are trying to insure a new or an older vehicle. Make sure your time on the road is trouble-free, and you’re fully protected by comparing your insurance choices!

Good Sam

Is your RV your permanent residence? Good Sam is a top choice for RV insurance. Good Sam is a membership-based organization that gets you discounts on campsites, gear stores, and fuel more than just an insurance company. They understand the lifestyle and needs of full-time Rvers and offer benefits like the ability to manage your policy online without speaking to an agent. 

If your RV is your primary residence, you’ll likely want broader personal liability insurance for accidents around your travel trailer and campsites. One downside to Good Sam is that roadside assistance isn’t available with their standard coverage. This coverage is an add-on that costs extra. This additional coverage may not be needed in many cases, as towed vehicles are sometimes covered by the roadside assistance benefits of the towing vehicle. To get more information or for a quote, contact Good Sam at their Good Sam website

Nationwide

Are you looking for discounts on your RV insurance? If you have taken a safety course or belong to an RV association like the National RV Association, you can save even more! Nationwide offers a wide range of ways to save money if you have installed additional safety devices such as smoke detectors and tire pressure monitoring systems. 

One drawback to navigating Nationwide’s selection of discounts is that many are not shown on their website and can only be discovered by speaking to an agent. Nationwide covers more than just RVs. Bundling your travel trailer insurance with auto or home policies can save you extra. To find out more and see how much you can save, contact Nationwide for a quote today at: Nationwide RV Website 

National General

If you are a part-time driver, National General has flexible policies that fit your lifestyle. Does your recreation vehicle sit in storage for long periods? National General gives you the benefit of suspending coverage while you aren’t on the road. Their full replacement policy covers your travel trailer for five model years; many companies limit this coverage to only the first two model years. 

This total loss protection will replace your recreation vehicle with a new or similar one in the event of loss or theft. If you have specialized equipment like solar systems, National General offers coverage that can protect this investment. A downside to coverage with this company is that eligibility, benefits, and discounts vary by state. You’ll need to contact the company for a quote to see what you can save. To find out how National General can match you to a recreation vehicle insurance policy that fits your lifestyle, contact them today at: National General RV Insurance

Progressive RV Insurance

Known for their home and auto insurance, Progressive also offers excellent coverage for recreation vehicle owners. Progressive’s disappearing deductibles can save you money if you don’t plan to make frequent claims. They will deduct 25% from your total deductible amount for every claim-free policy period. 

This disappearing deductible does have an extra cost unless your travel trailer is valued at $25,000 or more. Accident forgiveness is included for no additional charge. This policy keeps your premiums from increasing if claims are for $500 or less. Progressive doesn’t have online quotes, so you’ll need to speak to an agent to decide if their policies are a good fit for you. Find out more by speaking to a Progressive agent today at: Progressive website 

Allstate RV Insurance

Allstate is one of the top 3 insurance companies in the country and has deep experience in the recreation vehicle industry. Prices can be a bit higher than some competitors, but they do offer a range of discounts that can save you money. Multi-policy discounts can help you pay a lower rate if you have other policy coverage with the company. Since Allstate is such a major insurance company, many consumers may find they will save money bundling their recreation vehicle insurance policy with other coverage they may already have.

Allstate also offers discounts for retired individuals over 55 years old who are not currently seeking employment. Also, discounts are available if you transfer your recreation vehicle insurance policy from another company. A downside to Allstate is that they don’t offer quotes on their website: you’ll need to contact an independent agent to see if they’ll cover your recreation vehicle and how much your policy payments will be. An independent agent will also know what discounts are available and work with you to get the best possible rates. Allstate RV Website

The Hartford

AARP members who are at least 50 years old can get deep discounts on RV insurance from The Hartford. Rates will vary depending on driving record and other policy details, but Hartford has a reputation for low prices and quality service. Recreation vehicle insurance policies from The Hartford can be customized with additions such as property damage, bodily injury, and collision damage which protects your RV if it’s damaged in an accident.

They work with over 1,600 authorized repair shops, and they’ll stand behind the quality of their repairs for as long as you own or lease your RV. If you’re an AARP member, it’s worth talking to an agent to see how The Hartford can protect your RV and give you peace of mind while you’re out on the road. The Hartford Website

Roamly

Roamly was started by recreation vehicle enthusiasts looking to make insurance more flexible and affordable. They offer great choices for people who live in their RV full-time. Not all insurance companies have coverage plans specifically tailored to people who make RV’s their home for more than six months in a year.

This is where Roamly stands out from the competition. Aside from basic coverage, which you can get from any company, Roamly offers protection for adjacent freestanding structures such as carports. They also offer diminishing deductibles and vacation liability which can protect your guests from things like slips and falls. Do you rent out your RV? Roamly has coverage that can protect your investment, even when you’re not there. For people who are serious about RV life, Roamly has great choices which can be customized to your unique needs. Roamly Website

Auto-Owners

Auto-Owners can be a great RV insurance company if you are looking for personalized customer service. Auto-Owners works through a network of independent agents to deliver excellent coverage and service. While you can’t purchase coverage directly from the company’s website, they have excellent online support options, including a mobile app and an online customer center. Discounts are available if you have other types of policy coverage with the company or if your RV is equipped with certain safety features.

They also offer lower premiums for those who haven’t had recent claims or at-fault accidents. Other discounts are available for people who have taken a driver safety program or are over 50. If you are looking for excellent customer service and don’t mind working with a local independent agent, Auto-Owners may be able to help you find the coverage and service you want. Auto-Owners Website

RV America Insurance

RV America Insurance helps recreation vehicle owners who are serious about life on the road. They offer full-timer insurance choices and policies covering additional common vehicles such as tow vehicles, motorcycles, boats, and ATVs. They will cover both vintage and new RV’s and have many choices to fit a wide range of customer needs.

While RV America Insurance doesn’t underwrite their policies, they will help you compare quotes from different companies to find the best deal that protects your investment and gives you the confidence to enjoy traveling. If you have complicated insurance needs or multiple vehicles that need protection, talk to one of the licensed service representatives at RV America Insurance today to see how they can help you get the coverage you need. RV America Website

Safeco Insurance (Liberty Mutual Company)

Founded in 1923, Safeco Insurance Company has been a part of Liberty Mutual Group since 2008. Safeco offers a range of choices to protect your RV and even includes pet coverage. Pet coverage is rare in the RV insurance industry, and Safeco is one of the few companies providing this protection. They offer roadside assistance and the ability to insure belongings and personal effects.

If you have an accident that causes you to incur unexpected expenses, Safeco’s policies can include an emergency expense allowance. They also offer discounts for those who store their RV’s during most months of the year. This is a great way to save money if your RV is only used on weekends or for special travel. Their coverage is completely customizable but can vary between states, so check with a representative to find out how you can get the best rates. Safeco RV website

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