We all need to at least consider RV insurance. Even if you own your RV outright you should have a good insurance policy in place for liability issues at the very least.
And when you consider replacement costs if some tragic event costs you your RV, how do you get another one? Could you afford to just go buy another? These are individual questions that need specific answers to your own situation. RV insurance rates vary from state to state just like auto insurance. There are policies for the occasional or week-end RVer and also for the full timers. Many companies that insure autos also have some type of RV policies available. insurance rates for RVs, as with autos, vary from state to state and often zip code to zip code.
There can be a substantial difference between companies. Sometimes the best way to tackle the issue is have an independent insurance agent that you trust find the best rates for you. Make sure they understand your type of RV lifestyle. They often can find lesser known companies with better rates. Then look at and get your own quotes from the larger companies like, Good Sam Club insurance, RV America, Foremost, Progressive, Geico etc. and compare with the rates from the independents. If you are a full timer you should probably go with one of the companies that specialize in RV insurance for full timers. A full timer policy will incorporate some of the coverages of home owners policies, as well as insuring your RV. A full timer policy will include liability issues when someone comes to visit you in your RV, for example. You can also select coverage for the personal contents of your RV, similar to that of home owners policies.Be sure to select the exact same coverage from each company you get a quote from. For example, if you select 250/500/100k coverage on the liability portion from one company, do the same for all. Also select the same deductible amount from all on the collision portion. You should also select the same amount for personal contents coverage. That way you are comparing apples to apples as the saying goes. If there is no substantial difference in rates for the same coverage, you can simply go with the one that you trust the most or are more familiar with. If the difference is great, you might want to go over the coverage statements carefully and then check out the company to see how they rate with the ratings agencies like A.M. Best.
We do not in any way hold ourselves out as experts in buying RV insurance. In fact, buying insurance has never been a fun thing for me, but I have found that if I go through the process the best ways I can and settle on the best choice I can make, I can then just forget about the whole thing until I need to file a claim.
Here’s hoping that you find your way to the best policy for your circumstances and then never have to use it.