Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
Thread Tools Search this Thread Display Modes
Old 02-10-2013, 08:06 AM   #1
mlynch's Avatar
Join Date: Apr 2012
Posts: 66
Is RV Insurance Necessary?

Do you need specific RV insurance or can you write an auto insurance policy for the RV and have your liability and coverage for personal belongings through your homeowners policy?

mlynch is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 02-10-2013, 08:19 AM   #2
Senior Member
Triker56's Avatar
Fleetwood Owners Club
Join Date: Jun 2009
Posts: 3,699
What does your state laws require?
Most require you to carry a insurance card that says you have the state required liability insurance on that vehicle.

Other then liability you can be self insured for the rest.
Unless it is financed. :(

Triker56 is offline   Reply With Quote
Old 02-10-2013, 09:31 AM   #3
Moderator Emeritus
Gary RVRoamer's Avatar

Fleetwood Owners Club
Freightliner Owners Club
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 16,432
The liability coverage is the same whether car or motorhome - it is simply a "motor vehicle" that is required to have liability insurance in all 50 states. Collision and comprehensive is best written as a specific rv policy, since most car policies specifically exclude the things that make the "home" part of a motorhome. You would be unhappy to get in an accident and find that your TVs appliances and furnishings were not covered. Personal effects, e.g. clothing, cameras and such, are separate coverage in any case. You can add it to your vehicle policy (quite cheaply) or rely on homeowners "away from home" coverage to handle it.
Gary Brinck
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL
Gary RVRoamer is online now   Reply With Quote
Old 02-10-2013, 09:38 AM   #4
Registered User
Join Date: Jan 2013
Posts: 208
Read through these links. It will give you a better idea.

FAQs - RV Insurance FAQs : Good Sam RV Insurance
Do I need RV Insurance?
RV Insurance Law | eHow.com
RV FAQ's & Tips: RV Insurance
gajd33 is offline   Reply With Quote
Old 02-10-2013, 09:44 AM   #5
Registered User
Join Date: Aug 2012
Posts: 271
In Oregon the auto policy does NOT cover the RV.
Bowser is offline   Reply With Quote
Old 02-10-2013, 09:58 AM   #6
Senior Member
Go Dawgs's Avatar
Join Date: Mar 2011
Location: Bremerton, WA
Posts: 1,029
Speak with whoever covers your personnel vechicles now. They would be abble to answer all questions. We have our MH covered through the same company that covers our cars. Price is good, service was good (the time we needed it), and they are easy to make changes when needed.
2017 Grand Design Reflection 303 RLS
1997 GMC Sierra 3500 Dually
Go Dawgs is offline   Reply With Quote
Old 02-10-2013, 10:21 AM   #7
Senior Member
Camper Ken's Avatar
Join Date: Oct 2012
Location: Oregon
Posts: 362
We switched to GMAC this year (from Foremost through Farmers), lowering our annual premium by 600+ dollars. Collision , comprehensive etc. coverage the same but GMAC covers personal items and damage to permanently mounted accessories like awning, air conditioner, etc.
2016 Itasca Navion 24J (Mercedes 3500 chassis)
Camper Ken is offline   Reply With Quote
Old 02-10-2013, 05:41 PM   #8
mlynch's Avatar
Join Date: Apr 2012
Posts: 66
Thanks everyone for the valuable input. Massachusetts is tricky when it comes to insurance. We'll keep exploring options .

mlynch is offline   Reply With Quote


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002-2015 Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 10:16 AM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.