If you own an RV, you’re probably looking forward to hitting the road with your family this summer. Yet, such vehicles live in that in-between space where neither home or auto insurance coverage fit. Luckily, an RV policy will keep you protected all season long. To learn more about this style of coverage, here are answers to some of the most common questions.

What You Need to Know About RV Insurance

Is it required?

Legal requirements vary by state and RV type. For instance, in Nebraska, all motorhomes must carry proof of financial responsibility, which consists of an auto policy or surety bond. Bed-attached campers are an exception as long as the truck is covered by an auto insurance policy. Even if you don't live in a state that requires a separate plan, you will need a policy in place if you travel through a state that does.

What does it cover?

The coverage of every RV policy differs. Most standard plans provide medical and property liability protections. However, most providers will also recommend collision and comprehensive coverage to handle the repair costs of your vehicle. There are also supplemental items available based on each owner's needs, such as roadside assistance and campsite coverage.

How much do you need?

Minimum coverage amounts vary by state. Nebraska drivers are required to carry auto insurance with at least $25,000 bodily injury per person and $50,000 per accident, as well as $25,000 for property damage. However, these amounts are seldom reflective of the coverage levels most RV owners need to protect both their vehicle and their wallets. Pick a policy that provides high enough limits to cover the costs of a full RV replacement if necessary.

What factors determine the cost?

Premiums are specific to the vehicle and driver, but there are some qualities known to affect the total cost. The class of RV is one of these factors. Since Class A RVs are often large and feature luxury finishes, the accompanying policy rate is usually higher than a small compact Class B. Other contributing factors include driving history, the amount of time spent occupying the vehicle, and the policy limits.
 

Ready to hit the open road? Enjoy a stress-free summer of RV travel with the help of Fritch Insurance, serving southeast Nebraska and northeast Kansas. For nearly 20 years, the independent agency has served the needs of residents and businesses with everything from home to auto insurance. Request an RV quote today online or by calling (402) 223-3312.