RV Insurance for Motor Home Owners:

If you own your motor home, RV insurance is advised.  Many insurance companies provide discounts to customers who hold more than one policy with them.  For that reason, contact the insurance company that may be handling your home insurance, renters insurance, or auto insurance.  First, ask if they insure motor homes and then ask if you can receive a discount.  As with traditional auto insurance, RV insurance can be purchased in increments, such as six months, one year, or even longer.

RV Insurance for Renters

As for RV renters, an important question should be asked of the RV rental company you are doing business with:  Are you covered in the event of a breakdown or an accident?

Most RV rental companies extend coverage down to their renters, but there are no guarantees.  If you are covered from damages that may result from a minor accident, you may first need to show proof of a good driving record and proof of having auto insurance yourself.

There are many renters who take steps to add a rented motor home to their current car insurance policy.  But not all insurance companies offer this option; however, you may be given alternatives, such as by purchasing vacation insurance. 

As a reminder, be sure to first speak with the RV rental company you plan to do business with before taking any other steps.

Bottomline:  RV insurance is a wise investment for motor home owners and renters.  So whether you own or rent a motor home, there’s no harm in doing some research.  Contact a local insurance agency to ask for professional advice.  This is one of the best ways to determine if you should invest in RV insurance.

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