RV Insurance
RVs are not only a great way to explore the outdoors in comfort, they can make a fantastic permanent residence. Whether you’re on the open road for the weekend, or installing a TV dish on your full-time mobile home, we’ll get you the perfect coverage for your needs and equipment.
Coverage
RV Insurance protects you from financial losses after an accident. It provides coverage for you or the other party’s vehicle repairs, medical expenses, and more.
If you live in your RV full-time, odds are you’ve got some equipment and personal belongings with you. These can be insured as well!
This pays for vehicle repair costs, medical expenses, or property damage of the other party when you caused an accident. Liability Coverage is required by the state if you drive your RV on public roads.
Comprehensive Coverage pays for repair costs of your RV if it was damaged by anything other than a traffic accident. This includes theft, vandalism, the environment, etc.
Collision Coverage pays for repair costs of your RV after it is damaged in an accident.
Uninsured/Underinsured Motorist Coverage covers you for for medical expenses or RV repairs if the other party was at fault and doesn’t have enough insurance.
Extensions to your RV such as satellites, antennae, or awnings can be covered.
Belongings that aren’t directly attached to your RV such as clothing, cookware, chairs, portable grills, etc… will be insured with Personal Effects Replacement Coverage.
Roadside Assistance offers towing or roadside repair services. Many companies offer this, such as SafeCo, AAA, and more.
If you live in your RV full-time and are involved in an accident, your policy can provide financial aid for temporary living arrangements.
Your RV repairs can be valued in two separate ways.
The first method is called Actual Cash Value. After an accident, you will be compensated by repairing or replacing the RV entirely (value minus depreciation), whichever is cheapest for the Insurance Provider.
The second method is the Agreed Value. This is a dollar amount decided upon by you and the Insurance Provider when you sign up. Agreed Value is typically the safest and quickest way to go, as you will be immediately reimbursed for 100% of your lost value.
Discounts
Common discounts offered by our insurance providers for an RV policy:
You could save if you haven’t haven’t had a claim or received a ticket within the last 3 years.
When your RV is in storage, you can save money by not having it insured during the specified periods.
Your auto and RV can be combined into an all-encompassing policy for additional savings.
Having more than one type of policy with your Insurance Provider will net you major savings. For instance, combining your RV, Auto, and Homeowners Insurance could potentially negate the cost of your Homeowners Insurance entirely.
Staying with the same Insurance Provider for 3+ years can earn you discounts for your loyalty.
Having your insurance premium withdrawn automatically each month will qualify you for an additional discount.
Having Umbrella Insurance in addition to your Auto, Homeowners, or Renters Insurance can save you money. This discount can be combined with the Multi-policy Discount as well.
Tips
Are your liability limits high enough?
These days, medical expenses and vehicle repair bills can be astronomical. State Minimum limits give you modest coverage, but in a serious accident they will not cover all of your expenses.
Haven Insurance recommends at least $50,000 in Liability Coverage per person, $100,000 in Liability Coverage per accident, and $50,000 for Property Damages.
What kind of deductibles should you pay?
A deductible is the amount paid to your Insurance Provider to access your coverage payouts.
Higher deductibles will lower your monthly payments, while lower deductibles will raise your monthly payments.
