{"id":12537,"date":"2020-06-29T08:55:26","date_gmt":"2020-06-29T13:55:26","guid":{"rendered":"http:\/\/nucamprv.com\/?p=12537"},"modified":"2020-06-29T08:56:12","modified_gmt":"2020-06-29T13:56:12","slug":"rv-insurance-faqs","status":"publish","type":"post","link":"https:\/\/nucamprv.com\/blog\/rv-insurance-faqs\/","title":{"rendered":"RV Insurance FAQs"},"content":{"rendered":"

You probably know that, unlike motorized RVs (Class A or B), towables and truck campers don\u2019t need vehicle insurance to be on the highway. But does that mean you don\u2019t need any insurance at all to cover your home-on-wheels?<\/span><\/p>\n

We\u2019ve put together a quick Q&A guide covering the common questions that owners of towables and truck campers ask about insurance. Read through them, then sit down with your insurance provider and review your specific needs and insurance requirements <\/span>before<\/span><\/i> you take your camper out on the road. That way you can avoid any unpleasant surprises!<\/span><\/p>\n

Planning to cross the border into Mexico or Canada with your camper or towable? Ask your insurance agent if there is anything you need to know before you go!\u00a0<\/span><\/p>\n

Q: If I have a truck camper or a towable\u2014not a motorhome\u2014do I still need to insure it?<\/b><\/h2>\n

Maybe. If you financed your purchase (i.e. you don\u2019t own it outright), the financial lien-holder will most likely require that you carry full coverage including collision on your camper, according to\u00a0<\/span>Progressive Casualty Insurance Company<\/span><\/a>. But keep reading for other circumstances that may indicate a possible need for insurance.<\/span><\/p>\n

Q: I own my truck camper or towable outright\u2014no loan. (Yay!) So my tow vehicle\u2019s liability insurance will take care of liability insurance needs for my camper, right?<\/b><\/h2>\n

Strictly speaking, the answer is yes. But don\u2019t put away your checkbook yet. According to\u00a0<\/span>Allstate<\/span><\/a>, a tow vehicle\u2019s liability insurance comes into play in two situations: If someone is injured as a result of an auto accident you caused or if you damage another person’s property with your vehicle. Liability insurance won\u2019t cover other costly unpleasant and unplanned situations, such as theft, vandalism, acts of nature (think hailstorms), or other types of damages. That\u2019s why you might want to check out an\u00a0<\/span>RV insurance policy<\/span><\/a>.<\/span><\/p>\n

Q: I\u2019ve outfitted my camper\u2019s interior with a lot of \u201ctoys\u201d: high-end entertainment center and the best kitchen appliances that fit in a small space. How can I protect them against loss?<\/b><\/h2>\n

While a custom equipment policy is generally included in a standard RV policy, you want to review the coverage limit to make sure it is sufficient and, if needed, increase the amount. As for your personal items, while your homeowner’s policy may offer you some coverage, it\u2019s best to discuss this with your agent to make sure it\u2019s adequate or if you need additional coverage with a\u00a0<\/span>Personal Articles Policy<\/span><\/a> or a\u00a0<\/span>rider<\/span><\/a>. (Note: Also ask if there are specific geographical limitations on the coverage.)\u00a0<\/span><\/p>\n

And don\u2019t forget those items outside your camper, like an ATV, golf cart, or kayak. You want to make sure they are covered, too!<\/span><\/p>\n

Q: When I\u2019m traveling in my camper, I\u2019m still running my business. My business property insurance will cover any equipment losses, right?<\/b><\/h2>\n

Most likely your insurance agent will have you take out an\u00a0<\/span>inland marine insurance policy<\/span><\/a> to cover business property that is movable\u2014think laptop or video equipment. Discuss the equipment you\u2019ll be keeping in your mobile \u201chome office\u201d and if your current business policy provides coverage for those items as well.<\/span><\/p>\n

Q: I\u2019ve sold my sticks-and-bricks home and will be living in my towable or truck camper year-round. Does that change my insurance needs?<\/b><\/h2>\n

According to\u00a0<\/span>Progressive<\/span><\/a>, the coverages for full-timer\u2019s insurance are similar to a recreational policy, but you also have the option of adding additional coverages like personal liability and loss assessment. But even if you still have a fixed home that you return to during the year, your insurance company will base the type of use\u2014full or part-time\u2014for insurance purposes on the number of days your rig is on the road, with 150 days the generally accepted cut-off, according to\u00a0<\/span>FCIS Insurance<\/span><\/a>.\u00a0<\/span><\/p>\n

Q: Are there other types of insurance coverage that I should consider?<\/b><\/h2>\n

Roadside Assistance coverage<\/span><\/a> provides towing service to the nearest qualified repair shop and will pay for labor. (Check your auto policy first.)<\/span><\/p>\n

Comprehensive coverage<\/span><\/a> is for damages not covered in a collision, including fire, vandalism, theft, any broken glass, and weather.<\/span><\/p>\n

Storage coverage<\/span><\/a> allows you to suspend your coverage when your RV is parked yet still protects against threats like fire, storms, wind, and theft.\u00a0<\/span><\/p>\n

Other coverages are listed on the following insurance company websites:\u00a0<\/span>Progressive<\/span><\/a>,<\/span> National General Insurance<\/span><\/a>, and<\/span> Nationwide\u2019s RV insurance<\/span><\/a>.<\/span><\/p>\n

Q: Any tips on saving money when I\u2019m buying an insurance policy for my truck camper or towable?<\/b><\/h2>\n

According to<\/span> Allstate<\/span><\/a>, there are some situations that may qualify you for a discount such as:<\/span><\/p>\n