When choosing RV insurance, choose a policy with a deductible you can afford in case you need to pay something out of pocket. While a higher deductible can reduce your premium, paying for a lower deductible could save you money in the long run.
Insurance on leased or financed motor homes, trailers, pop-up, truck campers and fifth wheels can be different from that of an RV that is owned outright. This law exists so you don't have to pay the full cost of an RV that is involved in a accident or claim, but you may have to carry a certain level of insurance.
If you live in your RV, the contents or personal property also needs to be insured. That way if there is some type of loss to your property it can be replaced. There are riders available to cover this. If it isn't available go to a different company.
The model and style of RV you drive also influences the type of insurance coverage you need. Larger and customized RVs are also more expensive to repair; therefore, insurance will be higher. Make sure your liability coverage is sufficient for the type of RV you own and how you use it.
Your insurance must cover everyone who will drive the RV. Shop around to see who can provide you with the best insurance for the lowest prices possible.
