First, What Do We Mean by RV and Trailer?<\/h2>\n\n\n\n
The distinction is generally between motorized and non-motorized vehicles: those that can be driven vs. those that must be towed.<\/p>\n\n\n\n
RV stands for recreation vehicle, and that definition from an insurance standpoint might encompass more than you might expect. Sure, it\u2019s those big self-contained vehicles and temporary homes you see lumbering down the road all summer long. But the category also includes a wider range of self-contained motorized vehicles that you don\u2019t tow. Camper vans, mini motor homes, and even converted buses, among other forms of transport, fall into this group. We\u2019ll refer to the coverage associated with these vehicles as motorhome\/RV insurance.<\/p>\n\n\n\n
Non-motorized vehicles, such as campers<\/u><\/a> and small trailer homes, must be towed. As a further distinction, this post will only address trailers pulling non-motorized homes, not those that tow boats, motorcycles, or other personal or commercial items. This coverage is called travel trailer insurance<\/a>.<\/p>\n\n\n\n Motorized RVs and trailers are treated quite differently when it comes to insurance, so let\u2019s look at them one at a time.<\/p>\n\n\n\n You can\u2019t add your motorized recreational vehicle to your existing auto insurance policy. Special motorhome\/RV insurance is mandatory in every US state except New Hampshire and Virginia. Those are the two states that also don\u2019t demand auto insurance coverage.<\/p>\n\n\n\n But with the high cost of RVs and the relative difficulty in driving them, it would be unwise to not have motorhome\/RV insurance even in the non-mandatory states. Besides, if your vehicle is financed, your lender will almost certainly make this coverage a condition of obtaining the loan.<\/p>\n\n\n\n Determining the rates you pay for your motorhome\/RV insurance coverage starts with a lot of back and forth between you and your agent, as well as being a smart consumer and doing some comparison shopping for RV insurance. That\u2019s because an RV is both a home and transportation, so you should determine how it will be primarily used.<\/p>\n\n\n\n Will it be taken out only for the occasional long weekend or week\u2019s vacation? Or are you planning on living in your RV? This is one big factor that will determine what you pay.<\/p>\n\n\n\n It works much like regular auto insurance, with insurance types and amounts agreed upon by you and your insurer. It\u2019s one thing if you suffer a fender bender while on the road and quite another if your RV is broken into and a large-screen television is taken. Let your insurance agent ask the questions that will help you determine your premiums.<\/p>\n\n\n\n Much like your auto insurance, you\u2019ll have coverage options<\/u><\/a> that will include the following:<\/p>\n\n\n\n Your mandatory level of coverage will be determined by where you live. If you\u2019re in a state that allows liability as a minimum auto insurance coverage level, the same regulations will apply to your RV insurance. However, when you consider the high cost of your RV investment, it might make you insist on more than minimum coverage.<\/p>\n\n\n\n You should also consider your deductible, which works exactly the same way as with your auto insurance policy. The deductible is the amount you\u2019ll be responsible for before your RV insurance covers the rest. So if you have a $1,000 deductible, that\u2019s the amount you\u2019ll pay out of pocket if you suffer $3,000 in damages. Your insurer will pay the remaining $2,000.<\/p>\n\n\n\n Since a higher deductible results in your insurer not having to pay as high a settlement cost, you\u2019ll pay less in premiums. Just make sure that you can pay your deductible amount if needed, so it won\u2019t hold up repairs if your RV is damaged.<\/p>\n\n\n\n Whatever you decide on all of these coverage options, it all starts with that in-depth discussion with your agent.<\/p>\n\n\n\n Yes. Since it\u2019s a non-motorized vehicle that must be towed, your travel trailer<\/u><\/a> is not treated like a separate vehicle. Therefore, you can easily add it to your auto insurance policy.<\/p>\n\n\n\n But it\u2019s also possible \u2014 and perhaps wise \u2014 to explore additional travel trailer insurance coverage that adds another level of protection to your trailer home. This should be another point of discussion with your insurance agent.<\/p>\n\n\n\n Thinking of buying an RV or trailer? You\u2019ll want to discuss your motorhome\/RV insurance or travel trailer insurance options with an independent agent who can show you affordable coverage from major carriers. Our Cost-U-Less agents specialize in finding the right coverage for you at a price you can afford.<\/p>\n\n\n\n Call Cost-U-Less at (800) 390-4071<\/a>, or get a fast and free RV insurance quote online<\/a>. We also invite you to find a Cost-U-Less location near you<\/u><\/a>.<\/p>\n\n\n\nYou Need Motorhome\/RV Insurance for Your Motorized Vehicle in CA<\/h2>\n\n\n\n
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<\/figure>\n\n\n\nHow Does RV\/Motorhome Insurance Work?<\/h2>\n\n\n\n
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Can My Travel Trailer Be Added to My Existing Auto Insurance Policy?<\/h2>\n\n\n\n
Find Affordable RV and Motorhome Insurance in California Today<\/h2>\n\n\n\n