RV Insurance in Richmond, IN
You saved up, bought the rig and now the open road is calling. Before you pull out of the driveway, though, it pays to understand what coverage actually follows you down the highway, and what does not. RV insurance is a separate product from your standard auto policy, and knowing the difference can save you a serious headache after an accident or loss.
Is an RV Covered Under Auto Insurance?
Most personal auto policies do not extend meaningful coverage to an RV. Your auto policy may cover a motorhome while it is being driven in limited situations, but that coverage typically does not apply when you are camped at a site, and it rarely covers the personal belongings inside or the attached equipment on the exterior. A dedicated RV policy can fill in those gaps in a way a standard auto policy simply was not designed to do.
What Does RV Insurance Cover?
RV insurance is built around how you actually use the vehicle. Coverage can vary by policy, but most RV policies typically include:
- Collision and liability coverage while driving
- Coverage for personal items stored inside the RV
- Financial protection for slide-outs, awnings and other attached accessories
- Emergency expense coverage if you are stranded far from home
- Full-timer coverage options for those who live in their RV year-round
Indiana requires minimum liability coverage for motorhomes operated on public roads. The state also mandates that insurers offer uninsured/underinsured motorist (UM/UIM) coverage with the same limits, though policyholders may reject it in writing. If you are involved in an accident with an at-fault uninsured or underinsured driver, UM/UIM coverage can help cover your resulting damages.
Where Can You Get RV Insurance?
Not every insurer offers RV coverage, and those that do may structure it very differently. Our agents at McQuiston Insurance Agency can shop multiple carriers on your behalf and walk you through the coverage differences so you can make informed decisions. Contact us today to get started.