What is RV insurance?
When purchasing any type of vehicle insurance, the chosen policy needs to be tailored to the type of vehicle. For Vermont residents who have motorhomes, that usually means getting RV insurance.
RV insurance is specifically designed for protecting motorhomes, RVs, and similar vehicles. Policies can go beyond what’s typically offered in a standard auto insurance policy.
When do Vermont residents need motorhome insurance?
Motorhome insurance is broadly recommended whenever someone owns an RV or motorhome. Vermont requires the liability coverage when driving, and other protections may also be important.
What insurance coverages should RV owners look for?
Many of the coverages found in RV policies can be categorized as either typical auto coverages, or additional protections that are more particular to RVs.
Some of the protections that are commonly found in both auto and RV policies include:
- Bodily Injury Liability: For injuries sustained by people outside of the RV, such as other drivers, other passengers, and bystanders.
- Medical Payments: To pay medical bills sustained by the RV driver or their passengers in an RV.
- Collision Coverage: For damage sustained to your RV while the vehicle is in motion.
- Comprehensive Coverage: For RV damage caused by non-collision incidents, such as fire, theft, weather, animals, or falling trees.
- Property Damage Liability Coverage: For damage the RV causes to another person’s property or vehicle.
- Underinsured/Uninsured Motorist Coverage: For your damages where the at-fault driver lacks sufficient insurance, or has no insurance at all.
Some protections that aren’t often found in auto policies but may be in an RV policy include:
- Personal Property Coverage: May cover items inside the RV, like small appliances, dishes, clothing, souvenirs, computers, cameras, and other personal belongings.
- Emergency Travel Coverage: May cover food, lodging, and other unanticipated costs if travel plans get disrupted.
- Vacation and Campsite Liability Coverage: Might cover injuries resulting from non-vehicle accidents (e.g. “slip and fall” accidents) occurring in or around the RV when it’s being used as a living space.
How much does it cost to insure an RV?
The cost of insuring an RV or motorhome depends on many factors including its specific model, valuation, where it’s located, and the owner’s driving history.
Where can Vermont residents find RV insurance?
For help insuring a motorhome or RV registered in Vermont, contact the independent insurance agents at Burlington Insurance. We’ll help you find an RV policy that keeps you protected both on and off the road.
