RV Insurance

What is RV Insurance?

What is RV Insurance?

Much like how motorhomes are a combination of vehicles and residences, the insurance policies for them echo that dual purpose. RV insurance is a blend of various coverages from both auto and home insurance policies, ensuring that Maine motorhome owners have the protection they require both when on the road and when staying somewhere.

RV insurance is designed to mitigate the unique set of risks that come with owning a motorhome. Policies generally offer protection for the motorhome itself, the owner’s belongings, and the owner.

Who in Maine needs motorhome insurance?

Who in Maine needs motorhome insurance?

Motorhome insurance is normally recommended for anyone in Maine who owns a motorhome or similar. This broadly encompasses people with converted buses, camper vans, fifth wheels and traditional RVs.

Most owners are recommended to get a wide range of coverages that afford extensive protections. Some coverages aren’t recommended but are required in certain situations, though.

All drivers are generally required to have auto coverages meeting the state minimum requirements whenever a motorhome is on the road. Lenders also can have their own coverage requirements, usually requiring comprehensive, collision and gap protections in case the motorhome is damaged. In a few cases, campsites with long-term leases might require some liability coverage.

Owners, of course, should meet any coverage requirements they’re subject to. It’s important to ultimately select protections and limits based on one’s own risk exposure and mitigation needs. 

An a Maine insurance agency that specializes in RV policies like Darling's can help owners identify what their needs are, and select a policy accordingly.

What protections does motorhome insurance provide?

Motorhome insurance offers many available coverages, in order to cater to the diverse needs of owners. Some of these are akin to auto insurance protections, while others are more comparable to homeowners insurance protections.

Some typical coverages that are similar to what’s found in auto policies include:

  • Personal Injury Coverage: This usually covers injuries suffered by the RV driver and their passengers.
  • Bodily Injury Liability Coverage: This usually covers injuries to passengers in other vehicles or pedestrians.
  • Collision Coverage: This usually covers damages to the RV resulting from accidents with other vehicles.
  • Comprehensive Coverage: This usually covers damages to the RV from non-collision events, such as wildlife damage, falling branches, theft or fire.
  • Property Damage Liability Coverage: This usually covers damages to other vehicles or properties.
  • Underinsured/Uninsured Motorist Coverage: This usually covers accidents caused by drivers who lack adequate auto insurance. Shortened “UM.”

Some typical coverages that are similar to what’s found in homeowners policies include:

  • Personal Property Coverage: This typically covers belongings within the RV, such as clothing, dishware, electronics and souvenirs.
  • Emergency Expenditure Coverage: This typically covers unexpected expenses, like food and accommodation, when travel plans are disrupted.
  • Vacation and Campsite Liability Coverage: This typically covers events causing harm to others when the RV is parked at a campground or other location.
  • Full-Timer Coverage: This typically offers extra protections for those who live full-time in their RV without maintaining another primary residence.
What are the different motorhome policy classifications?

What are the different motorhome policy classifications?

Motorhome insurance policies are often sorted into classes, primarily based on the size and type of the RV. Common classes and the models they typically insure are as follows:

  • Class A: Typically large RVs and similarly sized converted buses
  • Class B: Typically medium RVs, similarly sized camper vans and trailers
  • Class C: Typically small RVs, fifth-wheel trailers

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