RVs, also called motorhomes, are favorites for many families who enjoy camping or road tripping across long distances. Just like a car or home, you will need to insure your RV. Most states require you to secure liability coverage, but the policy you buy depends on several factors. First, let’s take a look at what vehicles are covered under RV insurance:
- Class A Motorhome—A large home on wheels
- Class B Motorhome—Smaller, van-sized RVs
- Class C Motorhome—Midsize RVs, often referred to as mini-motorhomes
- Truck Camper—Attached to the bed of a truck
- Travel Trailer—Towable motorhome attached by a trailer hitch
- Fifth Wheel—Towable motorhome attached to a truck with a fifth wheel hitch
- Motorhome Bus Conversion—Bus turned RV
A comprehensive RV insurance policy will cover the cost of repairing or replacing your motorhome after an accident. It will also cover liabilities you face for property damage, medical expenses and/or legal fees following an accident you cause. And just as with auto insurance, you have the option for uninsured/underinsured motorist coverage to protect you in the event that you get into an accident with a driver sans auto insurance.
The amount of coverage you need depends on how and when you use your RV. You may require only the minimum amount of state-mandated insurance if you use your RV for a couple trips per year. Speak with an agent to determine how you should insure your RV while not in use. Your premium will likely be affected by where you store your RV, including factors such as climate, weather patterns and local crime rates.
However, if you travel extensively or live in your RV, comprehensive coverage is recommended. In that case, you may also choose to add personal property coverage to your RV policy to protect your possessions, including valuable items such as jewelry and collectibles.
Your RV serves as your home on the road, whether for a few days or year-round. Call Peachstate Insurance at (770) 938-4311 for more information on Georgia RV insurance.