RV Insurance Policy 101

Maybe you just retired and want to go on the cross-country road trip of your dreams. Perhaps you want a place where you can make great family memories. Or you’ve decided to live the simple life, sell your possessions, and live in a few hundred square feet. It doesn’t matter why you want a recreational vehicle. You’re still going to need an RV Insurance policy.


Here are the answers to your most basic questions about these specialty vehicle policies.


Will an RV Insurance policy cover mold and mildew?


All policies are different, but coverage isn’t guaranteed. Review your policy with your Hibbs agent to make sure.


How do I keep my premiums low?


Mostly, you can keep your premiums low the same way you would for auto insurance. Simply maintain an excellent driving record and bundle your coverage with other policies, such as your home insurance. However, you could also get a discount if you’re the original owner of an RV and carry both comprehensive and collision coverage.


Should I still carry full RV coverage when I’m not using the vehicle?


You can switch to comprehensive only insurance. This type of policy covers perils such as vandalism, theft, and damage from falling objects or weather. It does not, however, cover collisions with other vehicles.


Will an RV insurance policy cover permanent attachments and accessories?


You can purchase accessory coverage and add individual attachments, such as awnings and bike racks, to your policy as line items.


Does my RV Insurance cover all household drivers?


Yes, just make sure they are all listed on the policy.


Will my policy apply if I travel to Canada or Mexico?


Most RV insurance policies are valid in Canada but don’t apply in Mexico. Fortunately, you can buy additional, temporary coverage for any south-of-the-border trips.


Do I need to update my RV insurance policy if I decide to live in the vehicle full-time?


RV insurance has both part-time and full-time options. Part-time insurance includes “vacation liability,” which covers injuries and damages that happen on short trips. Full-time insurance offers broader protection, extending that liability coverage year-round. As a result, it’s a much better option for those who use their RV as a primary residence.


Will my policy cover any personal belongings that I carry in an RV?


Some RV policies give the option to add personal property coverage. Yet, if you’re a homeowner, your home insurance policy will probably already cover your belongings while you’re away from your residence.


If you have any more questions about RV insurance, contact a Hibbs agent today.