{"id":8357,"date":"2021-10-28T03:07:00","date_gmt":"2021-10-28T03:07:00","guid":{"rendered":"https:\/\/familytravelfever.com\/?p=8357"},"modified":"2022-04-20T09:42:14","modified_gmt":"2022-04-20T09:42:14","slug":"how-to-get-cheap-rv-insurance-in-2021-costcoverage","status":"publish","type":"post","link":"https:\/\/familytravelfever.com\/how-to-get-cheap-rv-insurance-in-2021-costcoverage\/","title":{"rendered":"How To Get Cheap RV Insurance In 2022 (Cost+Coverage)"},"content":{"rendered":"\n

NOTE*** The content on this page may contain affiliate links, we may make a commission. And, as an Amazon Associate, we earn from qualifying purchases.<\/em>\u00a0\u00a0More information: disclosure page<\/a>.<\/em><\/p>\n\n\n\n

There are a lot of different companies offering various packages of RV Insurance and it can be confusing to choose. Some of these packages can be quite expensive as well. Is RV insurance is really worth it? How do we find cheap RV insurance options and what do they cover? With these questions, we\u2019ll help you choose the right RV insurance for you so you can get the most of it for a cheaper price.<\/p>\n\n\n\n

On average, RV insurance can cost between $200 to $3,000 annually. For travel trailers, it ranges from $200 to $1,000. Class C and Class B, premiums could range between $800 to $1,000 and $1,300 to $2,000, respectively. Take note, several factors could affect your RV insurance rates.<\/strong><\/p>\n\n\n\n

Generally, an RV insurance premium depends on several factors like the age and condition of the RV, how often it\u2019s used, the type of insurance policy you are getting, and up to how much do you want them to cover you for. Even your location is a factor too.<\/p>\n\n\n\n

NOTE:<\/strong> RV insurance can be complicated since you are insurance a moving vehicle (like car insurance) and a home that you live in (like house insurance). So you need to make sure all situations are covered. <\/em><\/p>\n\n\n\n

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Do You Need Special Insurance For an RV?<\/strong><\/h2>\n\n\n\n
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You might be wondering if special insurance for your RV is necessary when you have auto insurance already. Aren\u2019t RVs covered by auto insurances? Although your auto insurance might extend coverage to your RV, it is limited only to some extent so you can\u2019t expect much from there.<\/p>\n\n\n\n

You should know that some car or truck insurance will cover a trailer while it is being towed. However, that insurance does not extend to when the trailer is parked or spending time inside the RV. <\/em><\/p>\n\n\n\n

RV insurances are specifically designed to perfectly fit the lifestyle of worry-free RV living, whether part-time or full-time. For one, RVs aren\u2019t cheap. Secondly, accidents can happen anytime so having RV insurance to cover for you in case something happens can save you a lot of money in the long run. It is a worthy investment if you ask me. Besides, there are cheap options available to suit your lifestyle. <\/p>\n\n\n\n

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Why is RV Insurance So Expensive?<\/strong><\/h2>\n\n\n\n

When you look at the RV insurances at their face value, it\u2019s easy to think how expensive the premiums are. As I said earlier, RV insurance must cover both a vehicle that is driven or towed and a home environment that you spend time inside. So it must cover many uses and include accidents that happen on the road or at the campground. <\/p>\n\n\n\n

Given that you must have one, the question now is, how do we find the cheapest option?<\/p>\n\n\n\n

Most insurance companies will offer full coverage of your RV for most situations you might find yourself in. However, not all of these are necessary. You might be surprised to learn that you can actually customize your insurance coverage based on your specific needs. <\/p>\n\n\n\n

The best way to negotiate a lower price is to speak to your insurance agent and ask for the best insurance policy for your RV based on how many days you are camping and how you use your RV. <\/p>\n\n\n\n

You might be able to opt-in for features you only need. Sometimes, they would also offer great discounts if you get all your insurances under one policy.<\/p>\n\n\n\n

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Do You Need to Have Insurance on a T<\/strong>ravel Trailer?<\/strong><\/h2>\n\n\n\n

Unlike a motorhome, travel trailers are not motorized and are not required to carry insurance to be on the road. Sometimes the insurance for the tow vehicle will cover the trailer while it is towed. However, other uses, such as camping inside the trailer, require additional insurance. <\/em><\/strong><\/p>\n\n\n\n

If a travel trailer is financed, you will likely be required to carry insurance on the camper. <\/p>\n\n\n\n

Travel trailers are generally more affordable compared to their class C and class B counterparts but still are valuable assets. The fact that the RV itself is valuable and may contain valuable belongings, is still worth getting it insured.<\/p>\n\n\n\n

For example, if an accident happens inside the trailer while you are camping, you will need to be covered by insurance. <\/p>\n\n\n\n

Make sure you know exactly what is covered by the insurance on the tow vehicle. Towing a travel trailer adds additional risk to driving a truck when taken on the road. Accidents may happen that may cause damage not only to the trailer; worse is if it damages another property or causes injury to another person. Getting both personal property insurance and liability insurance is a great idea and can save you a lot too.<\/p>\n\n\n\n

The good thing about camper trailer insurance is it\u2019s more affordable since the camper is smaller in size and its value is less expensive. For camper trailers, the insurance premiums are more or less $200 to $1,000 annually.<\/p>\n\n\n\n

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What Does RV Insurance Typically Cover?<\/strong><\/h2>\n\n\n\n

In general, RV insurance will include liability, comprehensive and collision, uninsured\/underinsured motorists, and medical coverage for accidents.  Add ons include personal liability, emergency roadside assistance, tire protection, RV roof protection, pest protection, and more.  <\/em><\/strong><\/p>\n\n\n\n

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You\u2019re probably wondering what\u2019s the most basic insurance you should get for your RV and what can it get you covered for. Most states will require you to have some form of RV insurance (comprehensive and liability insurance coverage) but each one requires a different minimum. Although, in general, they are quite inexpensive to get, they may not be enough to get you out of a bad situation. You might still be left with some financial burden in the end.<\/p>\n\n\n\n

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Depending on the choices that you make, RV insurance will cover a variety of different scenarios.   Let’s look a little closer at the different types of RV coverages:<\/p>\n\n\n\n

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