Required RV Insurance Coverage

Above, the Beast at Petrified Forest National Park. Photo by Armand Vaquer.

Like having a trusty firearm, having RV insurance is one of those things where it is better to have it and not need it than needing it and not having it.

States require liability insurance for all vehicles, but having coverages specifically made for RVs fall under a different category.

RV Life discusses what coverages are required in a new article for recreational vehicles.

They begin it with:

Paying for RV insurance can be a pain in the neck, but you’ll be glad you have it when disaster strikes! In addition to protecting yourself and your vehicle, vehicular insurance is a requirement in every state. RVs can be a bit of a gray area, especially because motorhomes and towable models have their own rules. We’re here to help you navigate this situation though!

At the end of the day, you’ll need at least a basic level of insurance for your vehicle. Sometimes you can extend the existing liability coverage of your tow vehicle or get a separate plan for your RV. Both options have pros and cons. On the other hand, motorhomes will always need their own insurance plans.

Insurance coverage comes in all shapes and sizes. RVs are expensive, so you’ll want to protect your investment. Begin by covering the legal necessities, then branch outward from there. The more insurance you have, the better off you’ll be.

To read more, go here.