Coverage
Find out exactly what is covered under your RV insurance. Putting your RV on your auto insurance policy is not the way to go for the most comprehensive policy. RV insurance policies offer options that cover any outside accessories, like awnings and antennas, and personal belongings housed inside the RV. Other coverage options include insurance for any trailers towed behind the RV. Each state has its own set of minimum requirements for RVs, so research those requirements at the state's department of motor vehicles. Some insurers have different policies for RVs that are leased versus those that are owned. Pick the one that suits your needs.
Premium
Check premium rates and options. One premium options includes paying less of a monthly premium if your RV is in storage for long periods, like during the winter. Seasonal coverage is an option at several insurance companies, but make sure the RV remains insured even when it's not in use. Choose a policy based on both the premium and the deductible. Policies with lower premiums can have very high deductibles that may be tough to meet.
Replacement and Towing
Some policies will offer optional full replacement cost coverage. The policy will replace newer RVs, usually those that are no more than 5 years old, with a new RV. RVs that are more than 5 years old will be compensated by the amount of the purchase price, even if the model has decreased in value. Some policies will also offer free towing service in case of a breakdown.
Drivers
Make a list of all drivers who may be using your RV, and put their names on the policy. Many policies will also cover drivers not on the list, but any regular users should be noted. New drivers can usually be added to the list, even after you purchase a policy.
Travel
Those who travel into Canada and Mexico should check to ensure their RVs are covered in these countries. Many policies will extend to coverage in Canada and Mexico, but you may need to buy additional liability insurance to comply with Mexican law.
Living
Different policy options also offer extended cover when you're living in your RV. If you live in your RV full-time, full-timer liability covers your parked RV the same away a homeowner policy covers a home. Campsite liability offers coverage while the RV is parked and being lived in at a campsite. Both may cover medical treatment and expenses for anyone who is hurt in or near the unit.
Article Written By Ryn Gargulinski
Ryn Gargulinski is a writer, artist and performer whose journalism career began in 1991. Credits include two illustrated books, "Bony Yoga" and "Rats Incredible"; fitness, animal, crime, general news and features for various publications; and several awards. She holds a Master of Arts in English literature and folklore and a Bachelor of Fine Arts in creative writing with a French minor from Brooklyn College.
