Why is RV Insurance a Must-Have?
So, you’ve got the RV. Congrats! You’re officially part of the rolling road trip club. But before you map out your next trip, let’s talk about something maybe a little less thrilling, but way more important. RV insurance.
Whether you’re cruising coastlines or chasing sunsets, having the right insurance can make the difference between a trip to remember and one you’d rather forget.
What’s RV Insurance, Anyway?
RV insurance is like your travel buddy that’s got your back when things go south. It’s peace of mind in policy form.
Most policies include a mix of:
- Liability – Covers you if you cause injury or damage to someone else.
- Collision – Pays for damages to your RV, no matter who’s at fault.
- Comprehensive – Covers those unexpected events like theft, fire, vandalism, or weather damage.
Motorized vs. Towable: Know Your RV Type
Not all RVs are the same, especially when it comes to insurance. Here’s the breakdown:
Motorized RVs (Class A, B, or C)
These are built like big, fancy buses and insured like your everyday vehicle with some extra perks to cover your living space on wheels.
Towable RVs (Travel Trailers, Fifth Wheels, Pop-Up Campers)
These aren’t driven. They’re pulled. They may either have their own insurance or be added to your property policy if they qualify.
What to Ask Before You Hit the Highway
To choose the best-suited policy, ask your broker these important questions:
- What’s the coverage limit for personal contents inside my RV?
- If something goes wrong, will I get replacement cost or actual cash value for my RV?
- If someone else drives it, are they covered?
- If I park it for the winter, is it still protected?
The answers will help you find coverage that fits the way you roll.
Smart Travellers = Fewer Claims
Want to keep those premiums low and your RV in great shape? Try this.
- Check tires, brakes, and electrical systems regularly.
- Lock it up when you’re not around.
- Don’t park in sketchy or flood-prone areas.
- Always keep your insurance info and emergency contacts in the rig.
Travel with Confidence. And Coverage.
Getting the right RV insurance matters. Because road trips are supposed to be fun, not stressful. Steers Insurance tailors your coverage based on how and where you travel.
If you’re not sure your current policy is cutting it, or if your RV is just sitting pretty waiting for the next big trip, give us a call at 877 478 3377. One of our friendly brokers will review your policy, fill in any gaps, and make you ready for the open road. And the only thing you’ll have to worry about will be creating a solid playlist.