RV insurance quotes

RV insurance works like most other vehicle insurance. If you're involved in an at-fault accident, it can help pay for the damages to others' property and/or injuries. You'll need to pick your liability limits and they should be based on your needs.

RV insurance also has optional coverages that can help pay for damages to your vehicle. These coverages can include Comprehensive and Collision Coverage.

Basic coverage provided under most RV insurance policies include

• Medical Payments: Pays for initial medical expenses if you or a passenger are hurt in an accident, regardless of who's at fault
• Bodily Injury: Pay for other people's medical expenses if you cause an accident
• Collision Coverage: Pays for damages to your RV when it collides with another vehicle or object, like a tree or guardrail
• Property Damage: Pays for damages you cause to other people's property in an accident

In addition to basic RV insurance, you may also want to consider optional coverages (if applicable and available) like

• Towing and Labor (not available for campers/trailers)
• Vacation Liability for Bodily Injury or Property Damage in the event of an accident that occurs while using the RV as a temporary vacation residence.
• Property Coverage for awnings, radio and TV antennae, cabana, roof rack, etc.
• Replacement Insurance for Personal Property inside the RV such as computers, TV sets, or appliances.

Insurance requirements vary depending on if you have a drivable RV or towable RV. The type of RV affects the type of recreational vehicle insurance coverage you may need.

Motorhomes/drivable RVs: These RVs are permanently attached to a motor vehicle and include permanently installed amenities like those used for cooking, sleeping, bathrooms, etc.

The 4 main categories of drivable recreational vehicles are²

• Class A RVs: Conventional-type motorhomes that include large, bus-shaped rigs
• Class B RVs: Small, sleeper or camper-type vans
• Class C RVs: Considered a type of mini-motorhome

Towable RVs: These travel or camper trailers require a separate vehicle to tow/pull them and include

• Pop-up and travel trailers
• Utility trailers (pulled behind autos to transport personal items)
• Horse and stock trailers
• Boat trailers
• 5^th wheel campers and/or home trailers
• Camper bodies (mounted on pickups) and camper vans
• Truck campers, truck caps, and bed covers

Most states require Bodily Injury and Property Damage Liability insurance on all types of motorhomes.

However, RV insurance is optional for travel trailers because they aren't motorized. Please note, if you're financing your drivable RV or travel trailer, your lender may require you to carry physical damage insurance.

If you rent an RV, you'll likely need to have insurance. In some cases, your auto insurance may provide some coverage to a rental RV. To be safe, you should always check with your insurance company or agent.

When comparing RV insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best RV insurance or the cheapest RV insurance.

Tips for comparing RV insurance quotes

• Compare coverages and make sure the options meet your needs
• Choose the same deductibles because they can affect your quote prices

When comparing RV insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make RV insurance easy. Our fast and easy quotes let you customize coverages, so you only pay for what you need.

Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance. These are just a few ways Liberty Mutual helps make RV insurance easy.

Vacation liability RV insurance provides select Bodily Injury and Property Damage limits if an accident happens while using your RV as a temporary vacation residence. You must have Comprehensive and Collision coverage on your existing RV insurance policy to add this coverage.

The cost for RV insurance varies depending on many things like

• Type, age, and condition of your RV
• How often you use it
• How you use your RV
• Your driving record/experience and claims history
• Coverages/limits you pick

See how much you could save when you get an RV insurance quote with Liberty Mutual and only pay for what you need. Find your local insurance Agent or call us at 888-582-1256.