Your RV is more than just a way to get from place to place. It’s a home away from home. An RV is a way of life — it’s a chance to see the country and even the world without leaving the comforts of home behind.
Whether you use your RV motorhome for the occasional camping trip or live out of it permanently, having robust RV insurance coverage is essential to protecting your traveling home. To a much greater extent than cars, RVs hold both memories and personal items that it would be devastating to lose. Make sure that if anything does happen to your recreational vehicle, you have coverage that will help get you back on the open road as soon as possible.
What RV Insurance Covers
Recreational vehicle insurance is a bit more complicated than other types of auto insurance because an RV is also a type of home. When you purchase insurance for your RV, you need to make sure that your vehicle is covered while it’s on the road and while it’s stored. You also need to make sure that you have collision coverage for the outside as well as theft insurance for everything that you have inside. Here are a number of factors that you should keep in mind when considering RV insurance quotes:
If you have a travel trailer, how often is it attached to your truck? Most car insurance policies only cover travel trailers when they are actually attached to a car or truck. If your trailer sits in your driveway between excursions, you need RV insurance to protect your trailer from theft and damage.
Do you need emergency roadside assistance coverage? Have you ever had to pay to have your RV towed after a mechanical problem or crash? Emergency assistance can cost an arm and a leg, but if you have emergency assistance coverage — which usually only costs a few dollars a month — you’ll be in the clear.
Do you operate a business out of your RV? If you run a business out of your RV, you will need additional insurance to cover any liability you may be subject to as part of your business operations. It’s important to note that RV insurance does not cover any business conducted inside the vehicle, damage, or pollution. If you need insurance for such business-related activities, please consider a Business Owners Policy.
Other factors that you will want to consider when comparing RV insurance rates include how old your RV is, how much time you spend in it, the value of the items you keep inside it, and any discounts that you might be eligible for.
Compare RV Insurance Quotes Conveniently Online
No matter how often you take your RV out on the road — even if it never moves — you need insurance to protect your motorhome. At EINSURANCE, you can compare quotes for RV insurance online without having to deal with an annoying salesperson trying to push you one way or another. As an RV owner, you like to pick your own path, and that’s exactly what EINSURANCE lets you do.
Look over each RV insurance quote explained fully in easy to understand language to get a sense of what level of coverage is best for you. When you’re ready, you can purchase your RV insurance online right away. Bear in mind that it may take a few days for your policy to become active — don’t wait to look for an online RV insurance quote until the day before a big trip!
Whether you’re looking to improve your coverage, insure a new RV, or find a lower premium, EINSURANCE can provide you with a free recreational vehicle insurance quote from each of the top RV insurers within a matter of minutes. Don’t wait, protect your RV and better enjoy the open road today!
Many states mandate auto insurance requirements for most vehicles. If you own a car, truck, antique/vintage cars, convertible, SUV or other four wheeled vehicle – no matter how much you drive it! – you need some kind of automobile or vehicle insurance. While there are minimum auto insurance coverage for cars and trucks, etc. you will want to consider a level of coverage that best matches your lifestyle and exposures. To get the right auto insurance rate you should make sure your auto insurance quote fits your needs.