Around 11% of US households have a recreational vehicle, and over 50% of RVers take their pets with them. But how many of those have RV insurance that protects their pets while traveling in their camper? Some will and some won’t, but it is important to know what your policy covers.
There is so much to consider when taking out an RV insurance policy, it is understandable if it seems like an overwhelming task. But once you have it, you will be able to relax and enjoy your RV vacations stress-free.
When you are ready to buy RV insurance, this simple guide will help you figure out the right policy for your needs.
Is RV Insurance Optional or Necessary?
If you drive a Class A, B, or motorized Class C recreational vehicle then it is a legal requirement to get insurance in all states. The cost and type of insurance you need might differ, but RV insurance is non-negotiable.
If you own a travel trailer, camper, or any type of RV that you tow, it’s different. You likely do not have a legal requirement to have RV insurance, but you should 100% get it.
It is unlikely that your regular car insurance will cover extensive damage, loss, and any other coverage you might need. So be safe, and take out the best RV insurance policy you can to protect you and your family (and your pets!).
What RV Insurance Coverage Is Available?
Like all motor insurance, there is a sliding scale of what you can get covered from the bare minimum to the extreme. Here are some of the situations and assets that many RV insurance policies cover:
- Personal belongings (appliances, valuables, etc.)
- Personal attachments (TV antennas, deck chairs, etc.)
- Roadside assistance
- Damage through accident or unforeseeable occurrences
- Pet and personal injury and liability
- Medical payments
If you own your RV, you can choose which RV insurance policy is best for you. But if you lease or finance your RV, your lender might require you to have a comprehensive policy.
How Much Does RV Insurance Cost?
The cost of your RV insurance will depend on a few factors. The age, size, and type of RV will give you different RV insurance options. It also depends on how often you travel in your RV and where (e.g. out of the country).
Annual RV insurance premiums range from $200 to $3,000, with the average being around $1,500.
You can often save money on your RV insurance if you are a good driver with a clean license. If you are in the military or a veteran you can often get discounts, as can homeowners, and those who add safety features. Paying one year upfront instead of monthly can cut the cost, too.
Stay Prepared With RV Insurance
Only by having RV insurance will you get the peace of mind you need when you are on vacation. Let’s hope you never have to use it, but your future self will be thanking you if you do.
Mid America RV specializes in travel trailers which are the easiest and simplest RVs to insure. Check out our new range of RVs to start your RV journey today.
