What To Look For When You Get RV Insurance

By: Jim Johnson


RV insurance is one of those things in life that you are glad to have and hope you never have to actually use. Almost all states require that you have some form of insurance for your motorhome or RV and it just makes good sense anyway. So if you are going to be buying RV insurance soon, here are a few tips to consider as you do:

* If you don't plan on living in your motorhome, and you only use it for short, small trips, you may actually want to consult your current homeowners policy and see if it is covered there. You then may want to call your insurance agent and ask if there is a rider that can be purchased to include your RV on your homeowner's policy if it is not already covered. If so, what are the coverages and for how much? Make sure you get a complete picture of exactly what is covered and what the limitations of the coverage are before proceeding. Often you can save money by adding your RV onto to your homeowners policy, but be sure that you get proper coverage if you do.

* For those that spend a good deal of time in their motorhome, or maybe even live and full-time in it, getting an insurance policy from an insurer that specializes in RV insurance would be a wise move. Most auto insurance companies don't really understand RVers needs all that much and so you can easily wind up with a policy that has clauses and requirements that make no sense at all for a person who lives in their RV. The coverage limits themselves can be very inadequate too, so don't just go to your auto insurance company and accept what they provide. At least shop around and get some quotes from RV insurance specialists too.

* If you do live in your motorhome, say so clearly when getting the insurance quote. Some people think that telling the insurance company that you only use the RV for short trips occasionally will save them money if they live in it instead, and perhaps it will. But if you actually do have to file a claim at any point, the insurer may simply deny the claim if the coverage is written for occasional use and you are actually living in the RV. So state what your exact usage will be and you should be fine.

* Avoid any insurance companies that are relatively new, and so haven't had enough time to build up a track record of customer service. The insurance field has had some less than honest people set up a company, sell policies and then either just deny most claims or disappear altogether. That's why most states have an insurance commissioner to prevent this kind of activity as much as possible. So before you buy a policy, check to see how long the company has been in business and perhaps even check with the insurance commissioner in that state to be sure that the company is in good standing with them before you decide to buy. Using insurance companies endorsed by major RVing groups like The Good Sam Club is usually a wise move for peace of mind as well.

Getting adequate RV and motorhome insurance is much easier today than it has ever been in the past, and there are more choices than ever too, in large part thanks to the internet. So if you are looking for RV insurance, shop carefully and if you use the suggestions given above it will most likely help you make a wise and successful choice.

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