RV Insurance Tips and Tricks

November 9, 2019

 

 

Along with this week’s blog, we’re debuting our 2020 Tiburon™ Sprinter to you first before anyone else! The Tiburon includes modern comforts such as all new cabinetry from the Italian company TecnoForm S.p.A., whose designs complement many European campervans and yachts. Bold, exterior graphics packages are available that will catch anyone’s eye while driving down the road.

The new Tiburon rides on the new Mercedes-Benz® chassis with a sleek cockpit and a safety package typically found in high-end luxury cars. Some of the standard safety features include:

  • Active Distance Assist Distronic- when cruise control is enabled, the system keeps your RV a selective car length distance between itself and the automobile in front of it.
  • Attention Assist- develops a driver profile and compares it to a number of environmental and driving behaviors to detect signs of tiredness and recommends it’s time to pull over for a rest. 
  • Active Brake Assist- helps prevent accidents by detecting a vehicle in front of the chassis and automatically brakes.

With so many features, the Tiburon is not your average motorhome. Make sure you are fully covered on your new purchase by following the insurance tips below.

Insuring your motorhome can be a confusing process and considering the average new car price is around $37,000 but a Class A motorhome can cost $450,000 or more, you want to make sure you are protecting your investment. You drive your motorhome, so it is covered under your auto insurance, right? But wait, what if you live in your motorhome full time, is that covered under a homeowner’s policy?  

Some states have laws that actually require you to have additional RV insurance. There are situations where you can get by with auto insurance and there are circumstances that would require you to get RV insurance.

RV insurance is required if:

  • You have a Class A RV or Class B van
  • You have an outstanding loan on your motorhome
  • Your RV is a rental

Liability insurance is required while you are driving your motorhome on the road. Full coverage is always a good idea to protect your asset and is required if you have an outstanding loan.

Compass® RUV™ motorhomes have safety features built-in because we want to help you enjoy your vacation safely. Sometimes insurance companies will give you a discount based on safety features such as these:

  • Electric stabilizing system in most models
  • Protective cover and task lighting above cooktop
  • Rapid Camp+™ multiplex systems control

If you are planning to rent an RV, check with your auto insurance carrier to find out if you are covered under that policy while renting an RV or if you need to purchase a temporary policy. You can also obtain coverage through certain credit card companies if you use that card for your rental purchase or you can purchase short term policies if renting from a dealer instead of a private individual.

Much like auto insurance, RV insurance covers collision, liability and comprehensive if chosen. You can also choose to protect your personal items, equipment and accessories. Towing and roadside assistance are sometimes available for an extra amount. Uninsured and underinsured motorist’s protection are upgrades you can opt for as well as full-time coverage if you live in your motorhome full-time.

Some homeowner’s policies will cover your motorhome when it is sitting on your property and not being driven but make sure to check your specific policy because some home policies actually exclude RVs so it’s a good idea to verify what is included and covered.

Finally, RV insurance is usually the best idea if you want to make sure you are fully covered in those situations where auto or homeowners’ policies do not provide protection, like when it is parked at a campground, theft or vandalism. Since motorhomes have the characteristics of vehicles and vacation homes, insurance can be tricky but RV insurance fills in the gaps. Omni® Super Cs are a classic example of the mix of auto and home components with features like:

  • Ford® F550 chassis with 330HP and 750 lb.-ft. torque
  • Residential vinyl flooring and solid surface countertops
  • Smoke, LPG, carbon monoxide detectors

 

 

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