Home » The Basics of RV Insurance: What You Need to Know
March 26, 2024
Nick Hammer

The Basics of RV Insurance: What You Need to Know

Embarking on a journey in a recreational vehicle (RV) is an adventure unlike any other. However, before you hit the highway, it’s crucial to understand the ins and outs of RV insurance to ensure you’re adequately protected.

What Is RV Insurance?

RV insurance is specifically designed to protect you, your passengers, and your vehicle in the event of an accident, theft, or other covered incidents. While similar to auto insurance, recreational vehicle insurance has unique considerations due to the nature of recreational vehicles.

What Does RV Insurance Cover?man and woman sitting in front of RV trailer

Recreational vehicle insurance typically covers a wide range of recreational vehicles, including motorhomes, campervans, travel trailers, fifth-wheel trailers and pop-up campers. Each type of RV may have specific coverage needs, so selecting a policy that aligns with your vehicle is essential. Recreational vehicle insurance offers the following various coverage options:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Personal property coverage
  • Vacation liability coverage

What Factors Affect RV Insurance Premiums?

The following factors influence the cost of recreational vehicle insurance:

  • The age, make, model, and value of your RV
  • How you use your RV
  • Your driving history and experience
  • Where you store and use your RV
  • Deductible

Tips for Saving on RV Insurance

The following are ways to reduce your recreational vehicle insurance premiums:

  1. Bundle policies. Consider bundling your recreational vehicle insurance with other policies, such as auto or homeowners insurance, to qualify for discounts.
  2. Maintain a clean driving record. You may also be able to take a defensive driving course to demonstrate your safe driving habits.
  3. Equip your RV with safety features. This could include antitheft devices, smoke detectors and tire pressure monitoring systems.
  4. Store your RV in a secure location when not in use. This may qualify you for storage discounts.

RV Insurance in Littleton, CO

As you embark on your RV adventures, don’t overlook the importance of adequate insurance coverage. Understanding the basics of recreational vehicle insurance and selecting the right policy can provide peace of mind, allowing you to focus on enjoying the journey ahead. Contact Premier Group Insurance | Nick Hammer Agency to discuss your coverage needs, explore your options and find potential discounts.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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