A Guide to RV Insurance: Why You Need and How to Save

Explore RV insurance — protection for your recreational adventures. Safeguard against accidents, theft, and damage. AARP members can enjoy exclusive discounts! Explore coverage options and save today!

What is RV Insurance?

Recreational vehicle (RV) insurance is a specialized type of insurance that provides coverage for recreational vehicles, including motorhomes, travel trailers, and fifth wheels. It is designed to protect RV owners from financial losses resulting from accidents, theft, and damage, as well as liability claims arising from the use of their RVs.

RV insurance policies typically include the following coverage components:

• Liability coverage: This coverage provides protection against legal liability for bodily injury or property damage caused to others while operating or using the RV.
• Collision coverage: This coverage provides reimbursement for damage to the RV caused by a collision with another vehicle or object.
• Comprehensive coverage: This coverage provides reimbursement for damage to the RV caused by events other than a collision, such as theft, vandalism, fire, or natural disasters.

RV Insurance: Coverage and Benefits

In addition to the basic coverage components listed above, RV insurance policies may also offer a variety of optional coverages, such as:

• Medical payments coverage: This coverage provides reimbursement for medical expenses incurred by the RV owner or passengers as a result of an accident.
• Uninsured/underinsured motorist coverage: This coverage provides protection against bodily injury or property damage caused by a driver who is uninsured or underinsured.
• Total loss replacement coverage: This coverage provides reimbursement for the actual cash value of the RV in the event of a total loss.

The cost of RV insurance varies depending on a number of factors, including the type of RV, the value of the RV, the driver’s age and driving history, and the coverage limits selected. It is important to shop around and compare quotes from multiple insurance companies before purchasing RV insurance to ensure that you are getting the best possible rate.

AARP Discounts on RV Insurance

AARP members may be eligible for discounts on RV insurance through partnerships with major insurance companies. These discounts can vary depending on the insurance company and the type of RV, but they can typically range from 5% to 15%. To be eligible for an AARP discount, you must be a current AARP member and have a valid AARP membership number.

In addition to AARP discounts, there are a number of other ways to save money on RV insurance. These include:

• Bundling your RV insurance with your home or auto insurance.
• Taking a defensive driving course.
• Installing anti-theft devices in your RV.
• Maintaining a good credit score.

Learn More About RV Insurance

For more information about RV insurance, you can visit the websites of the following resources:

• The National Association of Insurance Commissioners (NAIC)
• The Insurance Information Institute (III)
• The American Automobile Association (AAA)