The insurance landscape can be overwhelming. And it doesn’t get any less complicated as an RV owner. But, it’s important to understand the terminology and the options you have as an RV owner as you navigate the insurance marketplace.
Afterall, it’s smart to protect your investment. With that in mind, here are some answers to the most common questions related to RV insurance.
Who needs RV insurance? RV owners who are “full-time” residents of their RV, meaning they live in their RV for at least six months out of the year, require full-time coverage. If the RV is fully contained, with its own steering wheel and is not towed, it likely requires its own policy (with the exception of just two states in the U.S.). If it can be towed by another vehicle and does not have its own steering wheel, there’s a good chance the owner’s coverage for the vehicle doing the towing will cover the RV or camper.
What does RV insurance cover? Full-time RV insurance offers collision and comprehensive coverage, which essentially covers just about anything — from collisions with other vehicles, animals and objects, to theft, vandalism, severe weather and fires. Liability insurance covers the cost of damages incurred to other vehicles during a collision. Those who finance the purchase of an RV may be required by their lender to acquire “full coverage” on the vehicle, which includes collision, comprehensive and liability. Part-time RV coverage helps cover the cost of injuries and damage to the vehicle or near it, but that type of coverage can be supplemented with additional coverage utilized by full-timers.
What are some add-ons to consider? There are a number of additional add-ons that RV owners may consider when acquiring RV insurance. Those include total loss replacement coverage, emergency expenses and coverage for accessories. According to Forbes, the most common add-on to RV insurance is roadside assistance, which includes jump-starts and towing.
What about the off-season? If an RV owner only uses his or her RV for certain seasons throughout the year, there is an option to carry storage-only insurance for the off-season. This option helps owners save a little money while still protecting their investment against theft, vandalism, weather-related damage and damage from falling objects or animals. At I-10 RV Storage, we provide RV owners with covered parking in a secure environment, but we can’t protect against everything — and by that we mean the weather will do what it wants. Of course, accidents do happen, even when vehicles aren’t on the road. Storage-only coverage does not cover collisions, which can still occur if another vehicle in the storage area dings your RV.
When you’re not adventuring, and you need a space to store your RV or camper van, explore the options available at I-10 RV Storage conveniently located near multiple freeways in Chandler. With 24-hour access, covered spaces and a host of amenities, I-10 RV Storage offers a premium storage experience.
Contact us to learn more about our state-of-the-art facilities and our competitive rates!