RV Insurance

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Recreational vehicle (RV) insurance is essential for any RV owner, providing a safety net and peace of mind while on the road. Due to their unique features and functionalities, RVs require specialized coverage beyond typical auto insurance. With the significant investment of owning an RV and the potential risks associated with travel, having proper coverage is a crucial aspect of responsible RV ownership.

What Is RV Insurance? 
Similar to standard auto insurance, RV insurance offers coverage for a range of risks and potential incidents that can occur while using or traveling in an RV. This type of insurance generally provides protection for a variety of RV classes, including motorhomes, camper vans, travel trailers and fifth wheels.

What Does RV Insurance Cover? 
Available RV coverage options can vary by insurer, but typically include the following:

• Bodily injury and property damage liability coverage may help pay for property damage or bodily injuries you cause while driving your RV and may help cover legal fees resulting from such accidents.
• Collision coverage may help cover damage to your RV in the event of an accident, regardless of who is at fault.
• Comprehensive coverage may help cover damage to your RV stemming from incidents other than collisions, such as theft, vandalism, or adverse weather conditions.
• Uninsured/underinsured motorist coverage may cover the resulting damage if you are in an accident with someone who doesn’t have enough insurance or lacks insurance altogether.
• Personal property coverage may cover damage to the contents of your RV, such as your furniture, electronics and other personal belongings.
• Emergency expense coverage may cover expenses related to emergency services, such as towing or roadside assistance.
• Vacation liability coverage may cover situations where a third party is injured in or around your RV while it’s parked, such as at a campsite.

Is RV Insurance Required? 
Legal requirements for RV insurance vary based on where the vehicle is registered and operated. As with auto insurance, RV insurance is typically mandatory in many jurisdictions if the vehicle is motorized (i.e., can be driven). Here are some factors that may determine RV insurance requirements:

• RV classification—Legal requirements for RV insurance may depend on how the vehicle is classified. For example, if the RV is classified as a motorhome in the United States, it may need to be insured under the state’s motor vehicle insurance laws. However, insurance requirements may differ if the RV is classified as a towable trailer.
• State laws—Each state may have specific regulations regarding RV insurance. Some jurisdictions may require liability coverage, while others may require additional collision and comprehensive coverage. In Georgia, motorized RVs have the same insurance requirements as cars and must retain liability coverage at a minimum.
• Vehicle usage—Necessary insurance may depend on how the RV is used. If the RV is used as a primary residence, there may be other coverage offerings to consider, such as full-time RV insurance.
• Lender requirements—If the RV is financed or leased, the lender or leasing company may require certain coverage as part of the agreement.

It is crucial to check the specific laws and regulations of the jurisdiction where your RV is registered and operated to determine applicable coverage requirements. Even if not legally required, it is highly recommended to have RV insurance to protect against potential risks and liabilities associated with owning and operating such a vehicle.

Contact Guardian Insurance today to review RV insurance options and secure a great rate.

Additional Resources

• Insurance Considerations For Your RV
• How Much RV Insurance Do I Need?
• How To Store An RV Battery Over Winter
• Insurance Considerations For RV Full-Timers
• Read more RV insurance articles here.