rV Insurance in Vermont

What is RV Insurance?

Recreational vehicles occupy a unique place within the insurance landscape. They’re both vehicle and home, and they have many insurance needs of each. RV insurance helps recreational vehicle owners in Vermont insure these specialized motorhomes.

RV insurance policies are often broken down into three classes, and the policy class needed generally depends on what type of recreational vehicle is being insured:

  • Class A policies typically insure converted buses and the largest recreational vehicles
  • Class B policies typically insure travel trailers, camper vans and smaller recreational vehicles
  • Class C policies typically insure fifth-wheels and van-style recreational vehicles

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Owners who need assistance determining what class of policy best suits their recreational vehicle should talk with a knowledgeable insurance agent. A specialized agent will be able to make informed recommendations both on class and coverage selection.

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What Coverages Do Recreational Vehicle Insurance Policies Offer?

Recreational vehicle policies normally offer multiple coverages in order to meet the diverse protection needs that motorhome owners have. Some of the coverages that a policy, depending on its terms and conditions, might offer are:

  • Bodily Injury Coverage, which may protect against injuries sustained by people not in the vehicle
  • Personal Injury Coverage, which may protect against injuries sustained by people in the vehicle
  • Property Damage Liability Coverage, which may protect against damage to others’ property
  • Collision and Comprehensive Coverage, which may protect against damage to the vehicle
  • Uninsured and Underinsured Motorist Coverage, which may protect against accidents caused by improperly insured motorists
  • Emergency Expenses Coverage, which may protect against unexpected costs following an incident
  • Campsite and Vacation Coverage, which may extend certain protections while on the road

Owners who use their recreational vehicle as a long-term residence may also need full-timer coverage.

Who in Vermont Needs Recreational Vehicle Insurance?

Most people who own one of the above-mentioned recreational vehicles should have this form of coverage. Vermont requires certain minimum levels of coverage before vehicles can be taken on public roads in the state, and the other protections offered by these policies can help ensure an incident isn’t too financially devastating.

How Can Motorhome Owners Save on Recreational Vehicle Insurance?

There are multiple ways that motorhome owners may be able to save on recreational vehicle insurance.

First, many insurance companies offer several discounts that owners can explore. These range from good-driver discounts and multi-policy discounts to loyalty and claims-free discounts. An insurance agent can explain all of the potential discounts that a particular company offers.

Second, raising deductibles usually lowers a policy’s premiums. This does involve assuming more risk, and should only be done after careful consideration, but the added risk is normally limited and the savings are sometimes substantial. Again, an informed agent can help motorhome owners see whether this strategy is right for them.

Finally, working with an independent agent makes it easy to compare policies from multiple insurance companies. With quotes from several insurers to compare, owners can easily see what company has the best combination of coverage and price.

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Do Recreational Vehicle Policies Cover Personal Belongings?

The vast majority of recreational vehicle policies make coverage for personal belongings available if owners need it, but not all owners need such protection.

Before selecting this coverage, owners should check their homeowners, condo or renters insurance policy to see what personal property protections the policy affords. If the policy offers “worldwide coverage” for personal belongings, additional coverage through a recreational vehicle policy could be unnecessary. If not such coverage is offered through a homeowners policy, coverage for personal belongings probably does need to be included in a recreational vehicle policy.

How Can Motorhome Owners in Vermont Get RV Insurance?

For help finding RV insurance that meets your needs, contact the independent and experienced insurance agents at Paige & Campbell Insurance. Our agents have assisted many motorhome owners in Vermont, and they’re ready to help you.

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