[et_pb_section fb_built="1" _builder_version="4.0.9"][et_pb_row _builder_version="4.0.9"][et_pb_column type="4_4" _builder_version="4.0.9"][et_pb_text _builder_version="4.0.9" hover_enabled="0"]<h1 class="h1 text-tc-blue-800 font-weight-bold" style="text-align: center;"><span style="color: #000000;"><strong>Finding the Best RV Insurance for You</strong></span></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="4.0.9"][et_pb_column type="4_4" _builder_version="4.0.9"][et_pb_text _builder_version="4.0.9"]<div align="center">
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<p><span style="color: #000000;">There's been a pretty big shift in the RV (or recreational vehicle) world in the past few years as more and more Gen Xers and Millennials have begun celebrating the traveling home on wheels lifestyle. </span></p>
<p><span style="color: #000000;">And who can blame them? After all, with an RV, you get all the joys of travel rolled-up tight with the comforts of staying right on your couch. </span></p>
<h4><span style="color: #000000;">Share of Americans planning to buy an RV (motorhome) in the next 12 months as of 2018, by age</span></h4>
<figure data-asset-id="c7defa56-04d4-4471-8e97-7f6bfcd39b6f" data-image-id="c7defa56-04d4-4471-8e97-7f6bfcd39b6f"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/7b823dba-7bd8-4865-9abd-4a4131187fcd/share-of-americans-who-plan-to-buy-a-rv-motor-home-2018-by-age.jpg" data-asset-id="c7defa56-04d4-4471-8e97-7f6bfcd39b6f" data-image-id="c7defa56-04d4-4471-8e97-7f6bfcd39b6f" alt="" /></span></figure>
<p><span style="color: #000000;">But before you go all-in and invest in your very own RV, you'll want to make sure you're set up with the right insurance coverage to protect you from any potential hazards of the road. </span></p>
<h3><span style="color: #000000;">Types of RVs and Motorhomes</span></h3>
<p><span style="color: #000000;">Before you can find out what type of insurance you need, you need to know how your vehicle is classified. So which is it:</span></p>
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<li><span style="color: #000000;"><strong>Class A motorhomes</strong><strong>:</strong> Largest RVs on the road – a home on wheels</span></li>
<li><span style="color: #000000;"><strong>Class B motorhomes</strong><strong>: </strong>The small RVs – a van with amenities</span></li>
<li><span style="color: #000000;"><strong>Class C motorhomes</strong><strong>: </strong>Midsize models, sometimes called mini-motorhomes</span></li>
<li><span style="color: #000000;"><strong>Motorhome bus conversion</strong><strong>: </strong>A bus converted to an RV</span></li>
<li><span style="color: #000000;"><strong>Travel trailers</strong><strong>: </strong>Towable motorhomes typically attached by a trailer hitch</span></li>
<li><span style="color: #000000;"><strong>Fifth wheels</strong><strong>: </strong>Towable motorhomes attached to a truck with a fifth-wheel hitch</span></li>
<li><span style="color: #000000;"><strong>Truck campers</strong><strong>: </strong>Add-on campers attached to a truck bed</span></li>
</ul>
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<p><span style="color: #000000;">When you talk to your agent, this will be where you start. And once they've established what your main goals are with your RV, you can move on to the coverages you need.</span></p>
<h3><span style="color: #000000;">Why Do I Need RV Insurance?</span></h3>
<p><span style="color: #000000;">Your RV is pretty much a combo of your home and your car. And despite being on wheels, it still includes homey comforts like a bed, dishes, a TV, and even a fridge. That means your policy coverage needs to be a bit more extensive, to reflect the protection you need. Think of it kinda like this:</span></p>
<figure data-asset-id="43779a50-c03f-49b6-8668-026aa2353dc5" data-image-id="43779a50-c03f-49b6-8668-026aa2353dc5"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/693d34bb-6d16-40fc-b39a-639974f50212/rv-venn-graphic.png" data-asset-id="43779a50-c03f-49b6-8668-026aa2353dc5" data-image-id="43779a50-c03f-49b6-8668-026aa2353dc5" alt="Why Do I Need RV Insurance?" /></span></figure>
<p><span style="color: #000000;">Now, you most likely financed your RV through a bank. And more often than not, the lender will require insurance for your RV in order to finalize the deal and protect their investment in you. So in this case, it is mandatory.</span></p>
<p><span style="color: #000000;">Beyond that, most US states require a liability policy at an absolute minimum to cover any property damage, medical costs, or legal fees that come along with an accident. </span></p>
<p><span style="color: #000000;">Several states go even further, requiring uninsured/underinsured motorist coverage in case you're hit by another driver who doesn’t have insurance, or doesn't have enough to pay for the damage. </span></p>
<p><span style="color: #000000;">Just now, required or not, proper coverage is always recommended. After all, you never know what type of incidents you'll encounter out on the road. And without the right protection in place, you'll be paying it all out of pocket.</span></p>
<h3><span style="color: #000000;">What Does RV Insurance Cover?</span></h3>
<p><span style="color: #000000;">Your RV insurance policy can cover a number of situations. In most cases, your coverage limits are typically up to you, with the exception of areas that have already put legal minimums in place. </span></p>
<p><span style="color: #000000;">For convenience, some RV owners just add coverage to their personal auto policy (PAP). But beware, this can leave a significant number of coverage gaps in your personal property and liability. It’s recommended you have a higher limit on your coverage that's more inclusive of the specific incidents that occur with RVs.</span></p>
<p><span style="color: #000000;">One big factor in deciding the type of coverage you need is how you plan on using it. If you only use your RV occasionally for seasonal trips or as a permanent residence without moving it, you probably don't need a lot of protection. </span></p>
<p><span style="color: #000000;">But if you're constantly traveling the roads, you'll need specialized coverage called full-timers coverage (See below.) </span></p>
<p><span style="color: #000000;">Now that we have that established, let’s start with some standard coverage options available:</span></p>
<ul>
<li><span style="color: #000000;"><strong>Liability insurance</strong><strong>: </strong>Covers the costs associated with any injuries or property damage you're responsible for due to an accident.</span></li>
<li><span style="color: #000000;"><strong>Collision</strong><strong>: </strong>Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.</span></li>
<li><span style="color: #000000;"><strong>Comprehensive</strong><strong>: </strong>Formally known as "other than collision," this portion of your policy covers damage to your vehicle from things like theft and weather damage.</span></li>
<li><span style="color: #000000;"><strong>Personal injury protection/medical payments</strong><strong>: </strong>Pays medical bills and other expenses whether you’re at fault or not</span></li>
<li><span style="color: #000000;"><strong>Uninsured/underinsured motorists</strong><strong>: </strong>Protects you financially if the other driver doesn’t have any car insurance or not enough to pay for all expenses.</span></li>
</ul>
<p><span style="color: #000000;">Additional coverage options can include the following:</span></p>
<ul>
<li><span style="color: #000000;"><strong>Total loss replacement: </strong>Pays to replace your RV in the event of a total loss. This is usually only available for brand-new RVs that have never had a previous owner. </span></li>
<li><span style="color: #000000;"><strong>Physical damage coverage: </strong>Covers physical damage or theft.</span></li>
<li><span style="color: #000000;"><strong>Pet injury coverage: </strong>Covers vet fees for an injury to an animal or replacement costs for death.</span></li>
<li><span style="color: #000000;"><strong>Towing and roadside assistance: </strong>Covers the cost for a professional to help fix covered problems or to tow your vehicle to a repair shop.</span></li>
<li><span style="color: #000000;"><strong>Attached accessories: </strong>Coverage helps to repair or replace things like antennas and awnings.</span></li>
<li><span style="color: #000000;"><strong>Personal effects coverage: </strong>Covers personal property like dishes and sporting equipment.</span></li>
<li><span style="color: #000000;"><strong>Vacation liability: </strong>Covers the cost of bodily injury or property damage that occurs when the RV is being used as a temporary residence.</span></li>
</ul>
<figure data-asset-id="d9806283-bb20-4838-8829-889697190c0b" data-image-id="d9806283-bb20-4838-8829-889697190c0b"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/8fe04304-9f0d-433d-870e-c056211e3efc/what-does-rv-insurance-cover.png" data-asset-id="d9806283-bb20-4838-8829-889697190c0b" data-image-id="d9806283-bb20-4838-8829-889697190c0b" alt="What does RV insurance cover?" /></span></figure>
<p><span style="color: #000000;">For full-timers, though, coverage options will typically have higher liability limits similar to a homeowners policy. Options can include:</span></p>
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<li><span style="color: #000000;">Full-timers personal liability</span></li>
<li><span style="color: #000000;">Full-timers medical payments coverage</span></li>
<li><span style="color: #000000;">Full-timers loss assessment coverage</span></li>
<li><span style="color: #000000;">Full-timers secured storage contents coverage</span></li>
</ul>
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<h4><span style="color: #000000;">Miscellaneous Coverage Features</span></h4>
<p><span style="color: #000000;">Policies can carry a number of different coverages, which can typically be added through an endorsement. An insurance endorsement is an addition to your insurance contract that provides unique coverage not listed in your original policy and can include:</span></p>
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<li><span style="color: #000000;">Emergency expense</span></li>
<li><span style="color: #000000;">Rental reimbursement</span></li>
<li><span style="color: #000000;">Miscellaneous vehicles</span></li>
<li><span style="color: #000000;">Loan/Lease payoff</span></li>
<li><span style="color: #000000;">Coverage suspension</span></li>
</ul>
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<h3><span style="color: #000000;">How Much Does RV Insurance Cost?</span></h3>
<p><span style="color: #000000;">Because no two RVs and their drivers are the same, no two policies are the same. Which means it's impossible to say exactly what your RV insurance will cost. </span></p>
<p><span style="color: #000000;">But basically, your RV or motorhome insurance premiums will depend on the type of coverage you choose, your state’s requirements, and a few other key factors, like: </span></p>
<ul>
<li><span style="color: #000000;"><strong>Where you travel:</strong> A full-timer will need different coverage than a recreational motorist. How far you travel and where also matters, since areas with more risk will need additional protections.</span></li>
<li><span style="color: #000000;"><strong>What you ride:</strong> The type of motorhome you're driving will make a big difference, too. A truck camper or travel trailer doesn’t have the same luxe amenities as a Class A motorhome, so it’s usually cheaper to repair or replace after an accident.</span></li>
<li><span style="color: #000000;"><strong>How you ride:</strong> Your driving history is important. It tells an insurance company whether you're a risk-taker or a more cautious driver. If your driving record is full of traffic tickets and accidents, you’ll be considered higher-risk and typically pay higher premiums.</span></li>
</ul>
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<h3><span style="color: #000000;">Get Lower Rates When You Bundle Your RV Insurance</span></h3>
<p><span style="color: #000000;">Unless you live completely out of your RV, you'll most likely already have multiple insurance policies—from your car, to your home, or maybe even your boat. </span></p>
<p><span style="color: #000000;">If you take those existing policies and bundle them with your RV policy, you should get a nice little discount, because your carrier appreciates all your business in one place. Not to mention it's much easier to have all your coverages in one place.</span></p>
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<div align="center" style="text-align: justify;"><span><span style="color: #000000;">To read the full article, </span><a href="https://www.trustedchoice.com/rv-insurance/">click here</a><span style="color: #000000;">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]