Recreational vehicles (RV) are a popular mode of travel for those seeking adventure on the open road. Whether you own a motorhome, travel trailer, fifth-wheel trailer, pop-up camper or truck camper, protecting your investment with the right insurance coverage is essential. 

Different Types of RVs and the Insurance Coverage They Require 

 

The following are the most common types of RVs and some of the insurance coverages typically associated with them: 

• Motorhomes are typically the largest and most expensive type of RV. They are built on a truck or bus chassis and can be driven like a car. Motorhomes often require liability insurance, collision coverage and uninsured/underinsured motorist coverage.
• Travel trailers are towed behind a vehicle and do not have their own motor. They typically require liability insurance. You may also want to consider collision coverage to pay for repair or replacement if your RV is in an accident.
• Fifth-wheel trailers are similar to travel trailers but are larger and require a special hitch mounted in a pickup truck’s bed. Like travel trailers, they typically need liability insurance and collision coverage.
• Pop-up campers are smaller and less expensive than other types of RVs. They are typically towed behind a vehicle and can be folded down for more accessible storage. Pop-up campers usually require liability insurance.
• Truck campers are designed to be mounted in the bed of a pickup truck. They are smaller and less expensive than motorhomes and fifth-wheel trailers. Truck campers typically require liability insurance. 

All types of RVs may also benefit from comprehensive coverage, which can protect your RV against theft, fire and other types of damage. 

Tips for Lowering Your RV Insurance Premiums 

 

The following tips may help lower your RV insurance premium: 

• Bundle your insurance policies.
• Increase your deductible.
• Consider reducing coverage on older RVs.
• Take a defensive driving course.
• Install additional safety features.
• Maintain a good driving record.
• Choose a seasonal RV insurance policy instead of a year-round policy, if applicable. 

Understanding Collision Coverage for Your RV 

 

Collision coverage for an RV is insurance that covers damage to your RV resulting from a collision with another vehicle or object, or a rollover. Collision coverage may pay for repairing or replacing your RV, up to the coverage limits you select, if it is damaged in a collision. This can include damage to the body of the RV, as well as damage to other components such as windows, tires and appliances. 

RV Insurance Quote in Minneapolis, MN 

 

To discuss your RV insurance needs, contact Abbott Insurance Agency LLC. Our team is committed to helping you find the right coverage for your situation.