If you own an RV or camper, you know how different your insurance needs are from someone who simply travels by car. As fun as the motorhome life can be, it is also full of unique risks. Here at Luxor Insurance, we know what you need and want out of an RV insurance policy. With our support and access to our vast insurance network, we can help you find an affordable coverage with all of the comprehensive protection you need to continue living out your adventures on the open road.
Who Needs RV Insurance?
Whether you use your RV a couple of weeks out of the year or travel in it several months of the year, you need insurance to protect you, your passengers, and the investment you’ve made in your rig. Only a policy custom-tailored for the needs of RV owners will protect you against the types of risks you face while storing, driving, and temporarily living in your RV. From fires and theft to highway accidents and breakdowns, you need insurance that reduces your out-of-pocket expenses after a covered loss.
The state requires a minimum amount of liability coverage, and lenders typically require coverage that protects your RV against physical damages until your loan is paid in full. However, we here at Luxor Insurance are much more interested in adequately protecting you against all potential losses with coverage and limits that are high enough to safeguard your loved ones, your RV, your income and your assets.
Types of RV Insurance Coverage
RV insurance policies contain a long list of coverages. Each serves a different purpose, whether for protecting you and your RV against collision-related losses or shielding you against losses and liabilities that occur at a campsite. Your policy may include protection against:
Bodily Injury and Property Damage Liability
When you accidentally injure someone or damage their property while operating your RV, you could be sued for damages that total tens or even hundreds of thousands of dollars or more. While this is true for drivers of standard vehicles, it is especially true for RV owners considering the high risk of a rollover or an accident that results in significant damage to other smaller vehicles. Bodily injury and property damage liability coverage helps pay for your legal costs, as well as the victims medical bills and any judgments against you up to the limits in your policy.
Imagine being sued for injuries a guest sustained while visiting the inside of your RV at a campsite. Vacation liability coverage helps pay for third-party damages incurred while using your RV as a temporary residence.
RVs are at risk of collisions just like any other vehicle. If your rig is damaged in an accident, it helps to know your collision coverage will help pay for repairs, regardless of who was at-fault for the accident.
Your RV could also be damaged in other ways besides collisions and rollovers. In fact, your RV could be instantly destroyed if a tree falls on it or someone vandalizes the inside of it. Comprehensive coverage helps pay for non-collision physical damages to your RV.
If you and your passengers are injured by an uninsured driver, how will you recover the costs for your medical bills? Uninsured motorist protection helps pay for your medical expenses when an at-fault driver is uninsured. Likewise, if an at-fault driver has too little insurance, you can rely on your underinsured motorist coverage to help pay the difference between your settlement and your actual medical expenses.
Getting the medical attention you need is essential after an accident, regardless of who was at-fault. Medical payments provide limited no-fault coverage for you and your passengers for medical expenses related to injuries in an accident.
When your awning is damaged, it can cost hundreds or even thousands of dollars to replace it with a new one. Adding RV awning coverage to your policy helps pay for a new awning, as well as installation.
What do you bring in your RV when you travel? Your clothes? Your DVD collection? Maybe even your electronics? Although these items are usually covered by homeowners insurance, filing a claim can be costly. With an RV insurance policy, you can protect your personal belongings while you travel without having to file a claim against your homeowner’s coverage.
Nothing throws a wrench in your road trip plans quite like a break-down or car accident. When you are traveling away from home and no longer able to use your RV, trip interruption coverage can help pay for your emergency shelter, food, and transportation expenses so you can get home safely.
Camper insurance is similar to RV insurance, although there are variations in the amount and types of protection you may need. If you own a pop-up camper or trailer, we here at Luxor Insurance can help you find a policy that fits your unique needs, including coverage for things like liability, physical damages, and more.
Save Money on RV and Camper Insurance
If you are in the market for RV insurance, begin your search by contacting an independent agent here at Luxor Insurance. We are connected to a network of insurance companies competing for your business. Shopping independent puts the ball in your court, with multiple policies and quotes to choose from. We can also help you find the discounts you qualify for with each insurer to get a better picture of what your costs would be for each policy. Examples of common RV insurance discounts include savings for:
- Maintaining a safe driving history
- Remaining claims-free
- Paying premiums in full
- Taking a qualified RV safety course
- Bundling RV insurance with other types of coverage
- Installing certain types of safety and anti-theft equipment
- And more
For more information about RV and camper insurance or to request your free quotes, contact our office today. We look forward to serving you soon.