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RV insurance is one of the things in life that you are happy to have and hope you never have to use. Almost all states require you to have some kind of insurance for your camper or RV, and it just feels good in any case. So if you are going to buy RV insurance soon, here are some tips to consider as you do:
* If you are not planning to live in your camper, and you are only using it for short trips, you may actually want to consult with your current homeowner policy and see if it is covered there. You can then call your insurance agent and ask if there is a rider that can be purchased to include your RV on your homeowner's policy if it is not already covered. If so, what are the coverages and how much does it cost? Make sure you get a complete picture of exactly what is covered and what the coverage restrictions are before you continue. Often you can save money by adding your RV to your homeowner's policy, but make sure you get the right coverage if you do.
* For those who spend a lot of time in their camper, or maybe even live and full time in it, an insurance from an insurer specializing in RV insurance becomes a wise move. Most auto insurance companies do not really understand RVers need it all so much and so you can easily end up with a policy that has clauses and requirements that do not at all make sense to a person living in their RV. The tire limits themselves can be very inadequate, so do not just go to your car insurance company and accept what they provide. At least shop and get some quotes from RV insurance specialists as well.
* If you live in your camper, say so clearly when you get the insurance quote. Some believe that telling the insurance company that you only use RV for short trips sometimes will save them money if they live in it instead, and maybe it will. But if you actually have to claim any way, the insurer can simply deny the claim if the coverage is written for temporary use and you actually live in the RV. Then state what your exact usage will be and you should be fine.
* Avoid insurance companies that are relatively new, and so have not had enough time to build a record of customer service. The insurance field has had fewer than honest people forming a company, selling policies and then either just denying most claims or disappearing altogether. Therefore, most states have an insurance commissioner to prevent this type of activity as much as possible. So before you buy a policy, check to see how long the business has been in business and maybe even check out the insurance commissioner in that country to make sure the company is in good standing with them before you decide to buy. Using insurance companies approved by larger RVing groups like The Good Sam Club is also usually a wise move for peace of mind.
Getting enough RV and motorhome insurance is much easier today than ever before, and there are more choices than ever, largely thanks to the internet. So if you are looking for RV insurance, shop carefully and if you use the above suggestions, it will probably help you make a wise and successful choice.