{"id":10389,"date":"2023-09-12T15:19:59","date_gmt":"2023-09-12T22:19:59","guid":{"rendered":"https:\/\/blog2.neighbor.com\/storage-blog\/?p=10389"},"modified":"2024-01-29T15:50:34","modified_gmt":"2024-01-29T22:50:34","slug":"what-type-of-insurance-does-an-rv-need","status":"publish","type":"post","link":"https:\/\/www.neighbor.com\/storage-blog\/what-type-of-insurance-does-an-rv-need\/","title":{"rendered":"What Type of Insurance Does an RV Need?\u00a0"},"content":{"rendered":"\n

As with your home, health, and other vehicles, your RV needs insurance coverage<\/strong>, too. While no one plans to get into an accident—especially when mapping out a once-in-a-lifetime cross-country road trip<\/a>—RV insurance will keep you covered if you do.<\/p>\n\n\n\n

Because there are so many different types of RVs<\/a> and travel trailers, there are a variety of RV insurance options. Therefore, knowing what type of RV insurance is key if you want you and your rig to be adequately protected. <\/p>\n\n\n\n

Don’t choose just any RV insurance. Pick the right option for your rig.<\/p>\n\n\n\n

Understanding RV Insurance<\/h2>\n\n\n\n

Like all other forms of insurance, RV insurance protects you if you are injured in an accident. RV insurance coverage also protects you in case you cause an accident where another vehicle or person is damaged or injured.<\/p>\n\n\n\n

Outside of car accidents, RV insurance will also protect your camper<\/a> in the event that it sustains damage while it’s parked at a campsite, your home, or in storage. <\/p>\n\n\n\n

But what are the different types of RV insurance? Insurance needs will vary according to the type of RV. <\/p>\n\n\n\n

Types of RVs<\/h3>\n\n\n\n

As we mentioned above, there are several different types of RV, each with <\/strong>unique features <\/em><\/strong>and <\/strong>unique insurance coverage requirements.<\/em><\/strong> <\/strong><\/p>\n\n\n\n

Class A, B, and C motorhomes, for example, are drivable and have engines, which means they require coverage that doubles as both auto and RV protection<\/strong>. As a result, motorhome insurance policies tend to be quite pricy, especially with newer Class A models.<\/p>\n\n\n\n

On the other end of the spectrum, you have travel trailers and fifth-wheels. Because these types of RVs don’t have an engine and are considered tow-behind vehicles, they only require collision and comprehensive insurance,<\/strong> which makes them much cheaper to insure than motorhomes.<\/p>\n\n\n\n

Required Coverages<\/h3>\n\n\n\n

Liability insurance<\/h4>\n\n\n\n

No matter what type of RV you have or where you live, everyone is required to have liability insurance.<\/strong> Liability insurance pays for injuries and damages in an accident for which you are deemed responsible. Driving or towing your rig without liability insurance is illegal, and you could face a substantial fine if you get caught doing it.<\/p>\n\n\n\n

The caveat to this rule is that if you have a tow-behind RV, your towing vehicle’s liability insurance may cover the travel trailer<\/strong> as well. However, you should check with your insurance provider to verify that your policy does this before hitting the open road without RV liability insurance. <\/p>\n\n\n\n

Uninsured\/Underinsured Motorist Coverage<\/h4>\n\n\n\n

Additionally, most states, except for Virginia and New Hampshire, also require you to have uninsured\/underinsured coverage. This type of coverage reimburses you for damages and medical bills if you get into an accident caused by someone who doesn’t have adequate insurance coverage or any at all.<\/p>\n\n\n\n

Optional Special Coverages<\/h3>\n\n\n\n

Aside from liability and under-insured\/uninsured motorist coverage, all other forms of RV insurance are optional, including the following.<\/p>\n\n\n\n