Since they are not motorized, insurance is optional. However, if you're financing your motorhome or travel trailer, your lender will normally require that you have coverage against physical damage. Review your policy to make sure you have the recreational vehicle insurance coverage you need to protect yourself and your recreational vehicle. A complete guide to motorhome insurance for the conversion of your van, plus important specific considerations about the life of the van that you should consider.
Depending on how you customize your policy, RV insurance may also offer more protection for recreational vehicles than regular auto insurance coverage or a basic recreational vehicle insurance policy. An independent insurance agent can break down in more detail everything that standard car insurance covers and to what extent the specific coverage of your policy can extend to a motorhome. Your home insurance may offer some protection to the assets that are stored inside a motorhome, but it's probably best to purchase a special insurance policy for recreational vehicles to get the most complete coverage. With as many school buses out of service returning to the roads as recreational vehicles, the number of insurance claims has increased and has increased costs for insurance companies.
RV rental companies also have temporary coverage options if the auto insurance company doesn't extend coverage to the rented motorhome. While you need a separate insurance policy to drive a motorhome, your current car insurance offers some coverage for towed motorhomes and travel trailers. The problem I have found is that most vans leave the lot with the title of commercial or passenger vehicles, which is fine when they are initially insured with car insurance. I know that if you have comprehensive collision coverage of 26% with Progressive, protection against physical harm while traveling in Mexico is included, as long as you also purchase a liability policy in Mexico from a Mexican car insurance company for your trip.
The cost of an auto insurance policy is determined by a variety of factors, such as the person's location, driving history, and the amount of insurance they want to purchase. This, together with the fact that the designs and total value of their vehicles are well documented, make it easier for insurance companies to assess and insure their full value. It's good that you've pointed out how important it is to have adequate insurance coverage for your motorhome and that it could make the difference between enjoying the lifestyle for the next few years or having a single claim put an end to your adventures. While insurance is optional for many people who own recreational vehicles, you should take out car insurance for the recreational vehicle (RV) you drive.
Your car insurance will likely cover your motorhome travel trailer, but you'll still have to buy specific motorhome insurance, since standard insurance only covers a trailer when it's connected to the car or truck that's towing it. I also have other cars to drive on a daily basis, but since I'm not a full-time RV driver and can drive it to work sometimes, “they don't insure it.” Independent insurance agents also have access to several insurance companies and ultimately offer you the best car and motorhome insurance coverage, accessibility, and competitive pricing while working for you.