Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
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Recreational Vehicle Insurance Information
An RV is so much more than a vehicle. In many ways, it is like a home, but how you insure an RV differs significantly from how you insure a car. It helps to consider your RV’s unique aspects when insuring it.
Finding an appropriate RV insurance policy doesn’t have to be complicated. One of our agents at Demuth Agency, Inc. can guide you through obtaining affordable protection that is right for your needs.
The Benefits of RV Insurance
RVs are incredibly expensive, usually exceeding the cost of a standard car. As a result, you need the appropriate auto and property insurance to help you avoid costly losses from accidents during their use. For example, imagine you have a wreck while on vacation in your RV. Or perhaps your RV catches fire at a campsite. Both accidents could be harmful to you and others and likely create expensive damage. With an RV policy, you can obtain the critical financial help needed to pay for these losses.
What Does Motorhome Insurance Cover?
RV insurance includes protection that matches the driving and property risks associated with your vehicle. Some of the coverage you might need includes:
Campsite and Vacation Coverage: This protection covers the liabilities of using your RV as a vacation property.
Collision Insurance: This protection covers damage to your vehicle after a wreck.
Comprehensive Insurance: This protection covers vehicle damage from non-accident mishaps, like weather damage.
Full-time Residence Insurance: This provides coverage if you live in your RV permanently.
Liability Insurance: This insures you against damage you cause others if you are at fault in a wreck.
- Bodily injury liability coverage pays for their medical bills (and, in some cases, deaths)
- Property damage liability pays for damage to the other driver’s property, such as a car.
- Medical Coverage: This pays for your medical bills and those of your passengers.
: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
You may consider other coverages such as roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.
Your insurance policy should meet your specific needs. You want the right coverage to protect your RV during travel and stationary periods. Talk with one of our agents about how to tailor your protection to your advantage.
How Much RV Coverage Do I Need?
The exact amount of RV coverage you’ll need will depend on a variety of things, including the type of motorhome or camper you own and how often you use it. You’ll need to work with one of our expert agents to determine what amount of coverage is right for you.
How much is camper insurance?
Just like the necessary amount of insurance varies based on your specific situation, so will the cost of your RV insurance policy. Generally speaking, the more expensive your RV or camper is, the more it will cost to insure. However, you may be eligible for policy discounts if you have other types of insurance with our company, or meet other eligibility factors.
Can you pause RV insurance?
Whether you can pause RV insurance during the months when you’re not using it will depend upon your specific policy. However, it’s not advised to pause protection, even if you’re not driving your motorhome, as your vehicle could still sustain damage while it’s not in use. Without an active policy, you likely won’t be able to make a claim, meaning you’d be paying for any damages out-of-pocket.
Contact us today
Get a quote on a personalized RV insurance policy today! Contact us at 877-879-1355 or request an online quote.