Skip to content

Does my Auto Insurance Cover My RV?

Does my Auto Insurance Cover My RV?

The Recreational Vehicle Industry Association says that over 350,000 recreational vehicles are sold every year to the tune of about $15 billion. It won’t take long to spot one when traveling as there are about 9 million such vehicles on the road. Recreational Vehicles, or RV’s, come in a variety of shapes and sizes including fifth-wheel campers, motorhomes, pop-up campers, truck campers and more. RV’s that are motorized come in three classes, A, B, and C Class. The basic definition of an RV is a vehicle that includes sleeping quarters.

If you are considering the purchase of a new or used RV, you may wonder if your automobile insurance will cover your home on wheels. The answer is, it depends. As usual, it is always best to check your policy to verify coverage, but here are some general guidelines.

For towable RV’s that are pulled behind an insured vehicle, most auto insurance policies will cover the RV for liability. You would likely be covered for any damage caused by your vehicle or trailer to another vehicle or other property in an at-fault accident. You would not be covered for the physical damage to your trailer, unless you specifically add it to your policy with comprehensive and collision coverage.

Now, if you have a Class A or B recreational vehicle you will want to acquire separate RV insurance. Of course, if you borrowed money to purchase your RV, your lender will require coverage as well. There are some other instances when you will want to purchase separate RV insurance. One is if you rent an RV and the other is if you leave your RV on a leased site in an RV park.

Separate RV insurance can also cover your belongings stowed in your RV. This becomes more and more critical, especially if you tend to go “glamping” with a lot of the amenities of home. In fact, due to the size and weight of some RV’s, specific coverage is needed to properly insure the RV. Quite often a separate RV policy is needed. The best advice is to check with your local independent insurance agent prior to purchasing the RV.

There is good news when it comes to RV insurance. It can usually be acquired for far less than that of auto insurance. Many RV’ers find their premiums are only about 20% of that of their auto insurance. That makes it worth checking into.

If you would like to explore the possibility of RV insurance, please feel free to contact us. We make it our business to protect all of your assets and manage liability risks including those related to recreational vehicles. Camping or glamping, enjoy it safely and with the protection you deserve.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

The First 5 Things to Do After an Auto Accident

These are the 5 key steps to take after an auto accident.

How Getting Married Changes Your Insurance Landscape

Marriage Changes Things…Including Your Insurance.

Is My Insurance Company Out to Screw Me?

Unsatisfactory Experiences Happen in Every Industry. Insurance is not Exempt.

When Should I Drop Comprehensive Coverage on My Older Car?

If You Have an Older Car Dropping Comprehensive Coverage Can Be a Smart Idea

Having Food Delivered to Your Home? There May Be Liability Risks

Having supper delivered to your door sure can be convenient, but it also can increase your exposure to a liability claim in a slip or fall. Here’s how to ensure you are covered.

It’s Time to Start Adulting: Getting Life Insurance When You Graduate

Getting life insurance when you graduate will help cover any car loans, credit card debt and even your student loans. Learn why life insurance is a good step in adulting.

Are “Acts of God” a Thing When it Comes to Insurance?

What are “acts of God” and will you be covered in the event of one? The answer is yes, no and maybe. Read our article on “acts of God” and how you may or may not be covered by these perils.

Preexisting Conditions and Insurance

Learn why pre-existing conditions play such an important role in the insurance industry. Know when and how you will, and will not, be covered.

Buying a Car? Why You Should Call Your Independent Insurance Agent First

Price, fuel costs and financing aren’t the only factors involved in the total costs of owning a vehicle. Your insurance premiums will play a big role which is why you should contact an independent insurance agent prior to purchase.

Beware the Backyard Trampoline

Are you sure your homeowners’ insurance policy will cover you in case of an injury or liability claim resulting from your backyard trampoline? Check before you risk it all for a little backyard fun.

Leave a Comment





Translate »