With warm weather and cool breezes comes vacation time! For many Richmond families, that means loading up their Recreational Vehicle (RV) and hitting the road.
Before you begin your comfy cross-country journey, it’s important to understand if your RV is covered by your insurance policy, or if you even need to include it.
Everyone’s situation is different, but you should consider all your options before deciding on buying RV insurance.
What Exactly is RV Insurance?
RV insurance is like any other type of insurance policy, except its for your camper, motorhome, fifth wheel, etc.
RV insurance protects your camper or travel trailer from accidents and liability. Just like car or home insurance you get to choose your coverages for your vehicle. There’s a range to choose from, but they’ll be familiar for anyone who currently pays an insurance policy.
RV Insurance comes in two different varieties: Recreational and Full-Timers.
Recreational RV Insurance
This policy is designed for people who use their RV occasionally, usually for vacation or short trips. Coverages protect your vehicle while driving on the road or parked at a campsite.
It’s perfect for families that like to travel every once in a while, especially during the holidays.
Full-Timer’s RV Insurance
This policy is meant for people who use their motorhome as their primary residence. Along with the coverages found in the Recreational policy, this plan also includes options similar to homeowner’s insurance.
For anyone living life on the road, this policy is designed for you.
Do I Need RV Insurance?
The short answer is: you’ll need it whenever you hit the road.
The long answer is that it depends on what kind of RV you have.
- If your vehicle has a motor and can move on its own, like a camper or motorhome, then it requires insurance under Virginia law. While you technically can drive without insurance you will pay the DMV a heavy fine to do so.
- If your RV is pulled by another vehicle, like a towable trailer, then insurance is not required. But it’s still recommended especially if you’re taking a long trip or packing important valuables.
RV Insurance is the best way to protect your RV, whether you’re paying it off or own it outright. It’s always better to be safe than sorry, and your family is worth investing in.
How Do I Get RV Insurance?
Most insurance providers offer RV insurance. You should discuss your options with your current provider. They will ask you questions about your RV, your vehicle needs, and offer you recommendations based on your current policy and history.
If you live in Richmond, VA, there’s no better RV insurance provider than Sanford Insurance. We’ve been protecting Richmond families for many decades now through our comprehensive policies and customer-first service
Contact us to protect your vacation this year.
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