RV insurance can be very different from car insurance depending on the type of RV or motorhome you have and how much you use it. Whether you have a camper trailer for weekend getaways and day trips; a large RV for extended vacations; or a motor home that you use as your primary residence, The Hartford has RV insurance solutions that you can customize to meet your needs.
When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types start here
But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.
Specialized RV coverage might sound expensive, but its more affordable than you might think. Once you factor in all the available discounts and take advantage of sensible, money-saving coverage features like the Storage Option, you could be saving hundreds over the course of a year. If you’re trying to protect your RV with insurance coverage that’s suited for a car, then you’re putting it at risk.
If your car is worth more than $3,000 and/or is less than 10 years old, we'd also suggest both collision and comprehensive coverage, too. Our estimates suggest drivers can buy comprehensive and collision insurance for an average of $600 to $700 per year (however, the cost may be higher for some cars), so you would spend $3,000 to $3,500 in premiums over five years. If your car is currently worth less than $3,000, you will have spent more on insurance than your car is worth. You can obtain the estimated value of your car from sites like Kelley Blue Book and Edmunds. Once you have both the value and a quote for coverage, you can determine whether collision insurance will be worth it.
Our motorhome insurance offers many of the same benefits as our car insurance plans plus additional features to address the risks specific to your type of RV and how you use it. That means you can enjoy the same quality insurance coverage and value for your money while adding in all the extras your motorhome needs at a rate you can afford. Speak with your insurance agent or a specialist at The Hartford; we’ll help you choose the RV insurance coverage that’s right for your vehicle. Get an RV insurance quote today to learn more.