How to Pick the Best Insurance for Your RV

Summer is a time for fun with the family.

It’s also a time to get the recreational vehicle (RV) out of the driveway and onto the open highway.

Whether you’re heading out on a multistate tour in a full-size RV or on a weekend retreat with a tiny pop-up camper, learn how to stay safe and have fun at the same time by following some simple tips on properly insuring a recreational vehicle.

  1. Keep It Clean, in Good Repair and Legal: RVs require a tag and title before they can be taken on the road. Routine maintenance not only helps reduce operating costs, but also ensures a safe and worry-free trip. Remember, lack of maintenance can lead to dangerous situations, ranging from blown tires to side-of-the-road breakdowns.
  2. Check Your Current Insurance: Before setting out on a road trip, be sure to verify the limits of your existing automobile policy, especially if you intend to tow a smaller RV with your regular automobile or rent an RV. Don’t assume the RV is covered under a traditional plan. It’s also a good idea to double-check liability limits, coverage for personal belongings and geographic limitations before heading out on the highway.
  3. Ask About Options: RV owners often find optional insurance riders more affordable when purchased through their primary plan. Ask about total loss replacement, roadside assistance, emergency expense coverage, vacation liability, attached accessories and other options. It’s a small price to pay for the peace of mind in knowing you are protected in the event of an accident or emergency, especially when far from home.
  4. Consult With a Specialist for Full-Time RV Living: Full-timer coverage, hail, flood, fire, theft and other issues for those who consider their RV a home away from home are especially important. Be sure to speak with your insurance agent to select the best options for your individual situation while taking into account other means of transportation, total investment in the RV and lifestyle choices.