Recreational Vehicle Insurance

Owning a recreational vehicle (RV) can open exciting new doors through which you can explore the world. The ability of these vehicles to provide reliable transportation and convenient lodging throughout the corners of the continent makes them an exciting and valuable investment. However, RV ownership may also require you to make plans for unexpected bumps in the road, such as by retaining suitable insurance.

What Types of Insurance Does an RV Need?

RV coverage can provide multifaceted financial security for you and your vehicle. These policies can vary greatly in their capabilities and limitations, meaning you must pay close attention to details when composing your coverage. Consider prioritizing the following:

• Bodily injury liability coverage
• Property damage liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage
• Contents coverage
• Roadside assistance coverage

It’s also important to consider any insurance requirements imposed by your state or vehicle lienholder. South Carolina generally requires liability insurance for motorized RVs; financial lenders will often specify certain levels of coverage, as well.

What Is Full-time RV Insurance?

Full-time RV insurance typically refers to policies intended for those who use their RV as their primary residence. This is generally considered the case if you live in your insured vehicle for more than six months of the year. Full-time RV insurance may consist of several of the aforementioned components, as well as additional coverage options suitable for those living long-term in their vehicle, such as the following:

• Personal liability coverage may render aid for third-party losses occurring in or around your RV while parked.
• Medical payments coverage can assist with health care bills if someone is injured while in or near your RV.
• Loss assessment coverage can help pay for repair costs and common area expenses, which may be applicable if you are parked in a campground or RV park.

How Much Does RV Insurance Cost?

When assessing risk levels and calculating recreational vehicle insurance quotes, carriers may consider many factors, such as the following:

• Location
• Vehicle specifications (e.g., type, size and age)
• Driving records
• Residential use (e.g., full-time or part-time)
• Claims history
• Policy details (e.g., deductibles and limits)

Get the Right Coverage

As a trusted insurance provider, Dixon Blackwood Insurance Agency Inc., is well-positioned to help RV owners in Sumter, Summerton, Manning, Camden, Columbia and Florence secure appropriate coverage. Contact us today to learn more or to get a tailored RV insurance quote.