Toy Vehicles

Recreational vehicles (RVs) allow you to travel and explore the world in comfort and style. However, like any other vehicle, RVs can be involved in accidents or become the target of theft, which is why RV insurance is essential. RV owners should take time to understand, acquire and maintain adequate coverage. 

What Types of Coverage Are Usually Included in RV Insurance Policies? 

In many ways, RV insurance policies function similarly to standard auto coverage that you purchase for your car. RV insurance can often be customized to suit your specific circumstances, needs and budget. Common coverages included in your policy might include the following: 

• Liability coverage—This coverage can help pay for third-party losses if you are responsible for an accident that injures them or damages their property. 
• Collision coverage—If your RV is damaged after striking another vehicle or a stationary object, such as a building or guardrail, this coverage can help pay for your losses.
• Comprehensive coverage—By including this coverage in your RV insurance policy, you can recoup losses caused by incidents not included in collision coverage, such as fires, criminal activity and severe weather events.
• Medical payments coverage—If you or your passengers are injured in an accident, this coverage, also known as MedPay, can help pay for medical bills regardless of who was at fault.
• Personal injury protection (PIP) coverage—Similar to MedPay, PIP provides coverage for medical bills incurred by you or your passengers during an accident. It also provides coverage for reasonable expenses and lost income. 
• Uninsured/underinsured motorist coverage—If another party is at fault for an accident but lacks sufficient insurance, this coverage may ensure you can recoup your losses.
• Personal property coverage—This coverage can financially protect belongings stored or transported in your RV.
• Campsite and vacation liability coverage—If you are responsible for third-party losses occurring while parked at a campsite, this coverage can insulate you from financial losses. 

What Factors Affect the Cost of RV Insurance? 

Like many types of insurance, the cost of adequate coverage for your RV may vary significantly. Insurance companies must thoroughly analyze your circumstances before providing an accurate quote. This process will generally include consideration of the following:  

• Vehicle details (e.g., size, age, model)
• Age of insured
• Location
• Driving records
• Usage habits
• Claims history
• Policy details (e.g., coverage limits, deductibles) 

Is RV Insurance Legally Required? 

The laws regarding RV insurance vary by state. Most states require liability insurance for RVs driven on public roads. Some states may also require additional coverage, such as for uninsured/underinsured motorists or medical payments. Even if RV insurance is not legally required in your state, it’s still a good idea to have adequate coverage to protect your investment. 

Get the Right Coverage 

We’re here to help. At Illinois Auto Quote Insurance Agency, our staff has the knowledge and experience to help you ensure financial security any time you take your RV out on the road. We will work with you to assess your circumstances, determine your coverage needs and craft an optimal RV insurance policy. Contact us today to get started.