Does Driving Your RV More in Summer Increase Insurance Risk?

Summer is prime time for recreational vehicle (RV) travel, but more time behind the wheel of a larger vehicle can also mean more exposure to road hazards, traffic and weather events. If you are hitting the road more this season, your RV insurance deserves a closer look before you pull out of the driveway.

Does More Summer Driving Affect Your Insurance Risk?

Yes, generally the more miles you log, the more opportunities there are for accidents, weather damage and mechanical incidents. Summer travel often means driving on highways through unfamiliar areas, crowded campgrounds and afternoon thunderstorms. Each of those scenarios carries its own risk profile, and your policy needs to reflect how you actually use your RV, not just how often it sits parked.

What Does RV Insurance Cover?

RV insurance is designed specifically for the way these vehicles are used, both as transportation and as temporary living spaces. Standard coverage may include liability protection, collision and comprehensive coverage, and personal belongings inside the vehicle. Many policies also offer roadside assistance, vacation liability and coverage for attached accessories like awnings or satellite equipment. Indiana law requires liability coverage for motorized RVs, but for towable RVs, such as travel trailers, coverage is provided by the towing vehicle’s auto liability policy.

RV Insurance Tips for Summer Travelers

Before your next trip, run through these coverage checkpoints:

• Confirm your liability limits are appropriate for extended travel. Indiana has state-required minimums, but higher limits are often recommended given the size and value of most RVs.
• Ask whether your policy covers full-time or part-time RV use, depending on how long you are on the road.
• Review your deductible and make sure it fits your budget if a claim arises.
• Check whether personal items stored in the RV are covered under your RV policy or your homeowners insurance.
• Ask about uninsured/underinsured motorist coverage, which can financially protect you if you are involved in an accident caused by a driver who has little or no insurance.

Get Started

Contact McQuiston Insurance Agency today to review your RV insurance and make sure you are covered for every mile ahead. We proudly serve RV owners in Richmond, IN and beyond.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.