Recreational Vehicle Insurance
Owning a recreational vehicle (RV) or motorhome comes with unique risks. If you have an RV, you will likely need insurance on it. An RV will require more coverage than standard auto insurance can provide. RV insurance is required in most states if you can drive the RV by itself. An RV policy will provide you with the protection you need after unexpected accidents and other hazards.
What Is RV Insurance?
Whether you are behind the wheel or stopped at a campsite, you will face safety risks that could put you, your vehicle and others in harm’s way. Standard auto insurance will not provide the full coverage necessary to protect you and your RV in case of unexpected hazards. RV insurance can cover costs in case of unforeseen problems and is designed to help you avoid a significant financial loss.
What Do RV Policies Cover?
Most RV policies provide coverage that will cover both driving and residential risks associated with the vehicle. Coverage may include:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Contents insurance
- Medical payments coverage
- Uninsured/underinsured motorist (UM/UIM) insurance
- Campsite and vacation coverage
- Full-time residence insurance
- Roadside assistance coverage
- Rental car coverage
- Emergency travel expenses coverage
Is RV Insurance Required?
If you can drive your RV by itself (i.e., it is not a tow-trailer), then you must have insurance that meets your state’s mandatory auto insurance requirements. Depending on your location, some drivers are required to carry collision and comprehensive coverage if they finance or lease their RVs. Speak to your agent to determine if additional coverage requirements apply to your vehicle. A rule of thumb is that it is always a good idea to carry more coverage than just the minimum requirements.
What Does RV Insurance Cost?
Several factors can influence the cost of your RV insurance. By working with McDonald Insurance Group, you can choose a policy that will offer you the coverage you need at a price you can afford. Contact your agent today to speak about the best coverage for your situation and vehicle.
Contact Us Today
Don’t hesitate to get a quote on personalized RV insurance. Contact us today to speak with an agent at McDonald Insurance Group.