What Type of Insurance Does an RV Need?

What Type of Insurance Does an RV Need?

RVs differ from traditional motor vehicles in several ways, specifically in how they are insured. If you’ve found yourself searching the internet, asking, "What type of insurance does an RV need," our team is here to help! Learn more about insuring an RV near Scarborough, Saco, and Portland, Maine, from our Airstream of Scarborough team!

Required RV Insurance Coverage

The type of insurance you will need to pick up when you purchase an RV will depend upon several factors, most notably the kind of RV. For example, Touring Coaches that can be driven without using another vehicle typically require independent liability coverage. On the other hand, Travel Trailers that are towed behind your vehicle are usually covered under the liability coverage of the vehicle you are using to do the towing.

While there are some differences in required coverage, you will need liability coverage in some form. Additionally, your RV will need comprehensive coverage that protects against acts of nature, theft, and more, as well as collision coverage that protects you in the event of an accident.

RV-Specific Coverage

The insurance coverages mentioned above are not all that different from the insurance coverage required for a traditional vehicle. While that is the case, there are some policies that do differ from traditional automotive coverage, including the ones mentioned below.

  • Personal Effects Coverage: Covers items that make the RV feel like a home
  • Roof Protection: Protects against damage to the roof caused by wild animals
  • Vacation Liability Coverage: Provides added coverage if you use your RV for vacations and incur damage at a campground or other similar location
  • Permanent Attachments Coverage: If you add accessories like an awning, for example, this covers it

If you plan to use your RV as a place of permanent residence, you may also need to explore Full-time RV Coverage. This type of coverage combines some elements of a traditional RV policy with those of a homeowner's policy, ideal for those who spend six months or more out of the year living in their RV.

What Type of Insurance Do I Need for My RV?

So, what insurance do you really need when you buy a new RV for sale? That can only be answered by you and your specific motorhome needs. The requirements vary from state to state and depend on how you use your RV.

For more information on RV insurance and what policy options may suit you best, we recommend contacting your insurance provider. They’ll be able to provide you with a comprehensive rundown of your needs and options.

Learn More About RV Insurance Today

If you were typing "what type of insurance does an RV need" into your search bar, we hope you found this information helpful. If you have questions, please contact our team here at Airstream of Scarborough. We’ll be happy to provide you with more information on the topic and point you in the right direction to find ideal coverage.

We're proud to serve Scarborough, Saco, and Portland, ME, area drivers, and we hope to assist you soon!