Buying an RV can be an exciting time for most people looking for adventure. It can also quickly become overwhelming learning the ins and outs of RV life. Insurance is often one of those unknown factors for people new to RVs. Knowing this we put together a guide detailing different types of insurance and help you with RV Insurance average cost.
RV Insurance average cost on a Class C motorhome?
The average Class C motorhome insurance cost is between $500 and $1500 yearly for the typical vacationer. If you happen to live full-time in your RV, you can expect the number to double to around $3000.
There are many variables to take into account when calculating how much your policy will cost. Things like your coverages, state of residence, RV age, policyholder’s age, driving record, and the deductibles limit your choices.
For many travelers, buying and owning an RV is a dream come true. An RV opens up the door to America allowing vacationers to see the many splendors and sights our great nation has to offer. Whether you are climbing a winding road in the Rockies or trudging through the hot desert of the southwest. Maybe even heading north to the Nation’s Capitol, an RV can get you there.
Your new RV comes with a responsibility to protect and secure it from the dangers of America’s roadways. RV insurance coverage with Charlotte Insurance will protect your traveling companions and assets while you are on the road.
Common types of RV insurance
Common types of RV insurance you could purchase (and probably should purchase) for your Class C motorhome include the following. There are other insurance categories like medical and umbrella coverage. These might be worth discussing with your insurance agent, but these are the most common. So, let’s find out which coverage fits you best.
What type of insurance and any deductibles will affect the RV insurance average cost as mentioned above.
- Collision
- Comprehensive
- Liability
- Personal Effects Replacement Insurance
- Roadside Assistance
Charlotte Insurance RV team
What type of insurance do I need on my class C RV?
Most states only require that you have liability insurance to cover the other driver and their vehicle. Some states may also require that you carry personal injury protection as well. This minimal insurance does not cover your RV in case you were to get in an accident though. Full coverage is recommended to protect all people and vehicles involved. Roadside assistance is another coverage that is suggested to help with any unforeseen breakdowns while traveling.
Standard coverages for motorhomes and RVs
Some basic insurance coverages for motorhomes and RVs include:
Bodily injury liability, which helps pay for bodily injury damages you may become legally liable in an accident. This includes paying for an injured party’s medical bills and loss of income, up to your coverage limit.
Property damage liability, which helps pay for damages to another person’s vehicle or property you, may become legally liable for as a result of an accident.
Uninsured/underinsured motorists coverage, which reimburses you for injuries or damages (up to your coverage limits). Accidents that were caused by a driver who doesn’t have enough – or any – liability insurance.
Medical payments help pay medical expenses for you, your family household members, and your passengers due to accidental bodily injury while occupying your RV, no matter who is at fault.
Comprehensive, which provides coverage for loss to your RV not caused by collisions. These include such things as damage caused by contact with animals, falling objects, vandalism, theft, fire, or hail.
Collision, which pays for damage to your RV if you hit another vehicle or object, another vehicle hits you, or your RV rolls over. So, you can see why quality coverage is best to protect you and your family.
Additional coverages for motorhomes and RVs
Some coverages available for motorhomes and RVs include:
- Custom equipment, which includes coverage for aftermarket parts and equipment that were not originally installed by the manufacturer.
- Safety glass replacement, which provides coverage for the repair or replacement of the windshield.
- Awning replacement, which provides coverage to replace an awning destroyed in a covered loss with a brand-new awning.
- Vacation liability, which provides liability coverage for bodily injury and property damage while your RV. Your RV is being used as a temporary residence.
- Physical damage settlement options, include 1) the vehicle’s actual cash value, 2) the agreed value is shown on the policy, or 3) the total replacement cost, which would replace your RV with a new one in the event of a total loss during the first five model years.
- Roadside Assistance, which provides towing to the location of your choice, up to 100 miles from the location of disablement. It also provides emergency roadside services, which include extraction (if stuck on or within 100 feet of a road or highway). This includes the delivery of supplies (including oil, water, and other fluids). Service to the battery, changing or inflating of flat tires, lockout service, and fuel may also be part of it.
- Full Timers Package, which provides protection if you use your RV as a permanent residence. This means you do not own or reside in another dwelling. So, if you are wanting to live in your RV, you need to get the right coverage.
Roadside Assistance
Provides coverage if the insured’s car is disabled due to a covered emergency and is available 24/7. So, this could include the United States and Canada depending on the policy.
- Towing Covered vehicles can be towed to the nearest qualified repair facility.
- Winching Service Pulling a covered vehicle out of an area with a motor-powered cable or chain. Usually offered when a vehicle is trapped in mud, snow, water, or sand within 100 feet of a road.
- Battery Jump-Start Battery failure
- Fuel Delivery Fuel is delivered directly to the covered vehicle. The insured is responsible for the cost of fuel.
- If Locksmith Service Keys are lost, stolen, or accidentally locked inside the covered vehicle, we will dispatch a qualified service provider. The insured is responsible for the cost to replace the keys.
- Flat Tire Change
- On Scene Labor Related to disablement, up to one hour.
A complete guide to Roadside Assistance
Frequently Asked Questions
My RV is covered under my homeowners insurance or auto insurance policies, isn't it?
No. Your RV needs a dedicated policy, especially if you’re going to be living full time, or for extended periods of time.
High quality RV Insurance is expensive, isn't it?
RV insurance is often surprisingly affordable and, when compared to the financial devastation that could come from not having sufficient coverage, it’s a deal!
My homeowners insurance policy covers all of my personal belongings that are in the RV, doesn't it?
While your homeowner’s insurance policy may offer some protection, it’s typically very limited. In order to ensure that the belongings that are contained within your rig are covered, you need to work with an experienced insurance agent who can find the right policy for you.
RV Insurance average cost
