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Do I Need Insurance For My Camper, RV or Travel Trailer?

By Edited Nov 13, 2013 0 0

Should My RV Be Covered By Separate Insurance?

If you are asking yourself "Do I Need Insurance For My Camper, RV or Travel Trailer?" The short answer is "yes." Your vacation dream comes true if you own a Recreational vehicle (RV) or Camper Van. RV provides the luxury that a costly hotel provides and the freedom that your car provides. Having your own RV or camper allows you to enjoy vacations just about anywhere with your family without having to worry about safety, lodging costs or travel costs. Your camper or RV is also like a home on wheels for those who choose to live in their RV . Buying a campervan is surely an invaluable investment for your family’s enjoyment and even for frugal living. Because your camper or RV can be taken on the road, you need to make sure it has the correct insurance. So even if you are the owner of the RV or camper or just renting it, it is your responsiblilty to make sure you have to proper insurance coverage before your leave for your vacation or trip.
 
 

Why Do I Need Insurance For My Camper, RV or Travel Trailer?

First of all, it is mandatory to have liability insurance for camper van or motor home according to the state law. However, the comprehensive cover or full cover for your RV is optional according to the law. If your campervan is a towable extension with your car or van then your auto insurance covers the third party liability.  Using this scenario, if you ask, ‘If you still require an insurance cover for my campervan’ then the answer would be ‘Yes’. This is because the third party cover on your auto insurance will not cover in case of any damage to your vehicle due to natural calamities, theft and vandalisms. When you are on vacation, you might park your camper in different small towns. There may be possibility of vandalism and only a separate RV full comprehensive insurance covers those repair charges. Most people who have campervans spend so much of money to include built-in theaters, music systems, luxury bed and comforters. To protect all these valuables, it is highly recommended to have a fully comprehensive RV insurance for your Camper. There are other scenarios such as roadside assistance, medical expenses and any hotel or accommodative expenses following the breakdown of your camper or RV which will be coved only with the comprehensive RV insurance.
 
You can however decide to get short-term or full-term RV insurance to meet your needs. It depends on how much you use your camper. If you are going to use your RV only during vacation, then you can opt for short term RV insurance coverage. In case you are renting a RV, short term coverage is suitable. Some rental companies include RV insurance for their vehicle but do not forget to check if it covers your personal belongings as well. Full time cover is suitable for travelers who travel with their camper throughout the year and for campervan owners. If you have an RV, it is a good idea to get comprehensive RV coverage along with your regular auto insurance, however, you don't have to use the same company-you can get them separately. The point is to make sure you get comprehensive coverage if you own your RV, camper or travel trailer.
 
 

What is the Average Cost of Camper, Travel Trailer or RV Insurance?

There are many factors that are taken into account when calculating the premium for RV insurance. Two major things considered are the value of the caravan and the storage location(almost similar to a regular car or a home). The value of the campervan is arrived based on the make, model, engine size, age of the vehicle, type of the campervan (twin wheel or axle), mileages etc. Apart from these rating factors, there are other factors that influence the insurance premium. They are age of the drivers, their claim history, gender of the driver. Female drivers are considered to be safe drivers (sorry guys). One more important factor that gives discount on your campervan insurance is having a quality security system to protect your property. If you have a trusted security source such as CCTV camera, approved tracking devices, or trusted locks, you will get approximately 30% discounts on the premium. On an average RV insurance comes to $1,600 per year.
 

Ok So What are Some Good RV Insurance Companies

You should really do your research and gather information to choose the best insurance company to cover your RV.  Word of mouth is good as well so ask your friends or acquaintances who have RV coverage.  Also join a forum that has RV and camper owners to get some good ideas.  Here are a few ideas of companies you can research:
 

GMAC Insurance

GMAC insurance provides RV insurance coverage to meet your individual needs. Whether you have a Class A, Class B, Class C, bus conversion or fifth wheel RV, they provide the right type of  insurance for you. They have an online quote form and it is easy to obtain an instant quote if your RV value is less than $500,000.You can also call them directly to get a quote. They are one of the most successful financial organizations in the world and have been in the financial business since 1919. GMAC insurance is underwritten by National General insurance company. They have more than 100 offices in United States and Canada. They have branches in Europe, Latin America and Asia as well. They have 24 hours and 7 days a week claim reporting service. They have suspension cover option where you can suspend your insurance cover for a limited period if you are not using your caravan or if it is under repair.
 
Auto Insurance Specialists (AIS) California RV Insurance
‘AIS’ RV insurance has been in the auto insurance business for the past twenty years.  They provide AIS Specialty RV insurance cover for your campervan, travel trailer, 5th Wheel, Toy Hauler etc.  It is very easy to obtain insurance quote from them. Just leave your phone number; one of the representatives will call you back. The insurance specialists suggest different cover option and you can pick the RV cover that suits your needs. They have 24 hours toll-free number accessible from US for dispatching in case of any emergency roadside assistance. They also have an optional Mexico coverage which can extend your full comprehensive cover to Mexico.
 

Auto Insurance America

Auto Insurance America provides covers for Camper van, 5th wheel, Trailer cover, Motor home insurance at an excellent rate. They have been providing insurance services in Nevada, Arizona and New Mexico for the past 25 years. They have many convenient neighborhood branch office and trustworthy for a fast and reliable service. Their RV insurance covers even uninsured and underinsured motorists. They provide excellent towing service in case of any breakdown and please remember towing services for your camper van without any insurance are inexpensive.

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