RV Insurance Guide: What You Actually Need (And What You Don't)
When I first bought my RV, I was totally overwhelmed by insurance options. After filing two claims (yes, accidents happen!) and hours of research, here's what I've learned about RV insurance.
Essential Coverage Types
Collision
Covers damage from accidents
$400-800/year
Comprehensive
Covers theft, weather damage, etc.
$300-600/year
Liability
Required by law
$200-400/year
Optional Coverage (But Worth Considering)
- Full-timer's coverage (if you live in your RV)
- Personal effects coverage (for your stuff)
- Emergency expense coverage (saved me when I broke down in Utah!)
- Vacation liability coverage
Real Cost Examples
Class C (30ft)
- Full coverage: $1,200/year
- Basic coverage: $800/year
Class A (36ft)
- Full coverage: $1,800/year
- Basic coverage: $1,200/year
Money-Saving Tips
- Bundle with auto/home insurance (saved me 15%)
- Take an RV driving course (10% discount)
- Install safety features (5-10% savings)
- Pay annually instead of monthly (usually 5-10% less)
Common Mistake to Avoid
Don't just add your RV to your auto policy! Regular auto insurance often doesn't cover RV-specific issues like awning damage or campsite liability.
Calculate Total RV Costs
Use our RV Cost Calculator to factor in insurance costs with other RV expenses.