1. The most frequently asked RV questions
If you’re thinking about buying an RV anytime soon, you’re most probably going to have to buy RV
insurance. And if you’re going to buy RV insurance, you’re most probably going to have a lot of
questions you’re wondering about. We’re going to answer some of the most frequently asked questions
about RV insurance to help you make a better decision of the kind of insurance you should buy.
Who needs RV insurance?
Anybody looking to buy an RV! You might think that your auto insurance policy could partially cover your
RV, but that is not enough. RV insurance policies are tailored to meet the specific needs of RV users. Not
all auto insurance cover the unique needs of an Rv user, so it is best to get RV insurance that adequately
meets your needs.
What all does RV insurance cover?
An RV is a home on wheels away from home. Your RV packs amenities, electronics, valuable possessions
and everything that you might need on the road, away from your home. Your RV insurance policy should
ideally cover your valuables (you can decide which ones), towing and labor (in the event of your RV
getting damaged while you’re out on the road), and accidents that may occur in the RV.
What are the different kinds of coverages you can get on your RV?
The different kinds of coverages you can get on your RV are:
Collision & comprehensive
Towing and labor
Full-timers coverage
Roadside assistance
Medical payments
Rental reimbursement
Vacation liability
What factors affect your RV insurance rates?
As is the case with auto insurance, RV insurance rates depend upon a number of factors. Some of the
factors that are taken into consideration by the insurance company while deciding your rate are:
Age, gender and geographical location
Details of the RV: make, model, year of manufacture, present condition and current mileage.
Driving history
Credit score
Purpose for which the RV will be used (only for vacations, living full-time, camping, commercial
use etc)
Safety devices installed (if any)

2. Is it possible to get a quote if you haven’t bought an RV yet?
You sure can! Say, you’re looking to buy an RV in the near future; you can most definitely shop around
for estimated quotes. The only thing you should keep in mind is that since RV insurance rates depend
on factors such as make, model and year of manufacture, it might be helpful to already have an RV in
mind before you begin your search for quotes. Narrow down your RV options and then start shopping
around for quotes.
What factors should you keep in mind before shopping for RV insurance quotes?
You should be very clear about the purpose for which you want to use your RV. Depending on that you
can decide on what kind of coverage you want for it. For instance, if you plan on using your RV only for
vacations, you could look into getting vacation liability, comprehensive insurance, or even coverage to
protect your valuables. RV users who want to use their RVs as primary residence should look into getting
a full-timers package.
Now that you have all this information, go out and get your RV and hit the roads!