RV Insurance
RV Insurance: Protect Your Adventure on the Road
Owning an RV means you’re more than just a traveler; you’re someone who embraces the journey, enjoying the open road and the freedom to explore. But with this freedom comes the need for RV insurance—and it’s not just like car insurance.
Many RV owners mistakenly assume that RV insurance is the same as standard auto insurance, but there are several important differences that could impact your financial well-being if something goes wrong. Without the right coverage, you could face significant financial hardship in the event of an accident or disaster while on the road.
What Makes RV Insurance Unique?
RV insurance combines the best of both auto insurance and home insurance. It protects your vehicle like car insurance would, but it also covers your living space—just like a homeowners policy—because when you’re camping or parked, your RV is your home.
- Collision and road emergencies are key risks to insure against.
- Theft, fire, and liability coverage are important when your RV is stationary.
- Because your RV is often larger than a typical vehicle, you may need greater liability coverage than standard auto insurance provides.
Who Needs RV Insurance?
There are various types of RVs, each with its own insurance needs. At Sprouse Insurance/OneDigital, we’ll help you find the right coverage for your specific vehicle:
- Class A Motorhomes: These large, luxurious vehicles are complete homes on wheels and can be quite expensive.
- Class B Vans: Smaller motorhomes with taller ceilings for standing room, and a longer wheelbase for extra space.
- Class C Motorhomes: Built on truck or van chassis, offering more room and flexibility.
- Fifth-Wheel Trailers: Large trailers designed for camping or long-term use, requiring special coverage for towing and parking.
- Toy Haulers: RVs with ample storage space for items like snowmobiles and dirt bikes.
- Pop-Up Campers: Compact, foldable units that offer easy storage and transport.
- Horse Trailers: Some with sleeping units, requiring coverage for both the horses and the living space.
Standard RV Insurance Coverage
The coverage for RVs depends on the type of RV you have. Motorized RVs require the same types of insurance as your car, including liability, comprehensive, and collision. If you only use your RV a couple of times a year, you may opt for seasonal coverage. Trailers, on the other hand, need coverage for damage both on and off the road.
RV Insurance Policy Options
When insuring your RV, you may want to consider these important options to ensure you’re fully covered:
- Full-time RV insurance if you live in your RV year-round.
- Camper liability—to protect you from accidents that happen inside your RV or at your campsite.
- Extra bodily injury and property damage liability, especially if you own a larger, more expensive RV.
- 24-hour roadside assistance—a lifesaver if you’re stranded, and peace of mind if you never need it.
- Emergency expense money to cover unexpected costs like lodging and transportation if your RV is out of service.
- Total loss coverage to protect against the total destruction of your RV.
- RV contents coverage for your personal belongings inside the RV.
- ATV insurance if you’re towing vehicles like ATVs, to cover damage while towing or in use.
The Sprouse Insurance/OneDigital Difference
You might think you want the cheapest insurance you can find, but cheaper doesn’t always mean better coverage. Sprouse Insurance/OneDigital is here to help you find the right policy—one that gives you peace of mind, protects your investment, and covers all your risks while on the road.
While many insurance providers offer similar products, the way a policy is structured can make a huge difference in the protection you receive. We’re your neighbors here in Northwest Ohio, and we always aim to protect you better by carefully selecting affordable, responsive insurance companies.
Click the quote request button now and let Sprouse Insurance/OneDigital help you find the strongest coverage for your RV adventure.