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Old 02-10-2013, 08:06 AM   #1
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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?

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Old 02-10-2013, 08:19 AM   #2
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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. :(

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Old 02-10-2013, 09:31 AM   #3
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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.
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Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
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Old 02-10-2013, 09:38 AM   #4
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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
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Old 02-10-2013, 09:44 AM   #5
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In Oregon the auto policy does NOT cover the RV.
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Old 02-10-2013, 09:58 AM   #6
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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
2004 Ford F350 Lariat 4x4 Dually
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Old 02-10-2013, 10:21 AM   #7
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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)
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Old 02-10-2013, 05:41 PM   #8
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Thanks everyone for the valuable input. Massachusetts is tricky when it comes to insurance. We'll keep exploring options .

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