When driving a typical vehicle, such as a car, truck or SUV you will need to purchase car insurance for that vehicle. The same is a good idea whenever you own an RV. However, you only need insurance for certain types of RV’s.
Some of the main signs that you need RV insurance are:
- The RV is a rental.
- Your RV applies as a Class A or Class B Motorhome
- You are still making payments on the purchase of the Rv, and you do not own the RV in full yet.
However, there may be more expectations depending on where you live. For example, in most states liability insurance is required minimum coverage at the very least in order to drive the vehicle on those roads. It is also worth mentioning that driveable RV’s and towable RV’s have different requirements as well.
Towable RV’s fall under a wide range of different types such as fifth wheels, pop-ups, and travel trailers. Typically when it is a towable RV, the insurance from the vehicle will apply to the RV towed behind as well.
Even if you don’t have a requirement to purchase insurance, that doesn’t mean you shouldn’t. There are several unfortunate circumstances, such as fire or theft which would be financially damaging in a major way. This is why RV insurance, although not necessary in some places is a good idea to have anyways as a precaution.
To learn more about RV insurance, and to speak about plans which work for you, feel free to contact us online or contact us at (512) 445-5555 to speak with someone today.