If you currently own a recreational vehicle or are considering purchasing one, you may be asking yourself this question: Do I need recreational vehicle insurance? Coverage for your RV is just as mandatory as auto insurance. Many states require coverage against uninsured or underinsured motorists, and each state requires minimum liability coverage if the vehicle is driven on the highway.
Note that the state's minimum liability limits apply to self-propelled vehicles. In the case of a towable recreational vehicle, such as a 5-wheeler, a motorhome, or a travel trailer, liability extends from the tow vehicle.
Also, the state's minimum liability limits may not be sufficient for your situation. It is important to have enough coverage to protect your assets in a serious accident or lawsuit. Without sufficient liability coverage, you risk incurring debt or losing those possessions that you have worked hard to get, such as your home, car, RV, personal belongings and savings accumulated during your life.
Standard Coverages for RVs and RVs
Some basic coverage for RVs and RVs are:
- Bodily Injury Liability - Helps pay for bodily harm for which you are legally liable arising as a result of an accident. This coverage covers the payment of medical bills and loss of income for the affected party, up to the limit of your coverage.
- Property Damage Liability - Helps pay for damage you have caused to a person's vehicle or property, as a result of an accident, for which you are legally responsible.
- Uninsured or Underinsured Motorist Coverage : reimburses you for the costs of injury or damage (up to the limits of your coverage) caused by a driver who does not have liability insurance or if the level of such insurance is not It's enough.
- Medical Payments - Helps cover your medical expenses, those of your family members and your passengers, that arise due to accidental bodily injury while riding in your RV, no matter whose fault it is.
- Comprehensive : offers coverage for the loss of your recreational vehicle, not caused by collision, such as damage caused by contact with animals, fallen objects, vandalism, theft, fire or hail.
- Collision - Pays for your RV damage if you collide with another car or object, if another vehicle collides with yours, or if your RV capsizes.
Coverages for RVs and RVs
Some of the coverage available for RVs and RVs are:
- Custom Equipment - Includes coverage for aftermarket parts and equipment, not originally installed by the manufacturer.
- Safety Glass Replacement - Provides coverage for windshield repair or replacement.
- Canopy Replacement - Provides coverage to replace a destroyed canopy with a new one at a covered loss.
- Vacation Liability : Provides Liability coverage for personal injury and property damage while using your RV as a temporary residence.
- Physical Damage Settlement Options : Includes 1) the actual cash value of the vehicle, 2) the agreed-upon value listed on the policy, or 3) the full replacement cost, which would allow you to replace your RV with a new one, in the case of total loss, during the first five years of the model.
- Roadside assistance : offers towing service from the place of disqualification to the place of your choice, as long as said route does not exceed a maximum of 100 miles. It also offers emergency roadside services, including extraction (if you got stuck on or within 100 feet of a highway or highway), consignment delivery (including oil, water or other liquids), battery maintenance service , change or inflation of flat tires, locksmith service and fuel.
- Full-Time Resident Package : Provides coverage if you use your RV as a permanent residence and you do not own a home or reside in another home.
Get a recreational vehicle insurance quote
Whether you use a recreational vehicle for an occasional vacation or permanent residence, Nationwide has the coverage you need for this class of vehicle. We have reliable coverage for RVs, RVs, and travel trailers.