RV Guide: Insuring your RV

In most states, liability insurance is not a choice. It's required for all registered vehicles, including RVs.

There are additional options available, however, when it comes to insuring these vehicles. Your best coverage option will depend on how frequently you use the RV and the level of protection that's desired.

Here's a deeper look:

MORE THAN ONE QUOTE

To make the best decision, the Department of Motor Vehicles recommends getting quotes from at least three different insurance agencies.

Compare prices and options to ensure that you're getting the best value for your money. At the same time, don't immediately opt for the lowest price. Consider other factors such as coverage details, the cost of their deductible and your personal comfort level with the agency. Since an RV is a significant investment, it pays to adequately cover it with a reliable insurance partner.

WHAT THEY COVER

Insurance providers typically offer coverage on motorhomes and travel trailers only if there are permanently attached living quarters.

The DMV specifies certain required elements to qualify, including cooking appliances, heating or air conditioning, a bathroom, refrigeration and an electrical and drinking water system.

Travel trailers are sometimes treated differently since they are non-motorized recreational vehicles that are typically towed. You can still find suitable coverage, however, if your travel trailer features designated cooking and sleeping areas.

LEVELS OF COVERAGE

Various insurance coverage options are available to protect your investment. Some aren't mandatory but they may offer additional peace of mind.

The DMV lists several basic coverages, including liability, comprehensive, collision and vacation liability. Each is designed to address specific areas of financial exposure.

For instance, liability coverage helps with costs from accidents that damage property or cause injuries. Collision coverage is crucial for repairing or replacing your RV after an accident. Comprehensive coverage assists with non-collision damages like storm damage, theft or fire. Vacation liability coverage is specialized for damage to another RV or injuries that occur in your RV during vacation use, rather than while in regular transit. This coverage is beneficial for those who spend extended periods parked at RV resorts or campgrounds.