On the road or parked in storage, your RV needs insurance protection.
RV-ing is a hugely popular pastime, especially for families who want to get out on the road. Everyone has different preferences as far as vehicles and there are plenty of styles and sizes to choose from, depending on whether you’re into weekend getaways or long-distance journeys.
An RV can serve as both a home and a vehicle combined into one. Many factors will affect what type of coverage you should choose. The most important distinction is whether the RV is self-driven or towed and must be attached to another vehicle to move.
Dawson & Keenan brings you the best possible coverage options for whatever kind of RV-ing you prefer. We’re able to bundle your RV, motorhome, and travel trailer insurance with your home or auto policies to streamline our services.
A Quick Guide to Types of RVs
Just getting into RV-ing or considering a different vehicle? Here’s a rundown of what you can buy. Keep in mind that each type will be insured differently and every policy available has its own costs and benefits.
Motorhomes Class A, B, and C
Self-driven with driving cab and living/sleeping quarters all in one. Classes are based on size, chassis, and motor.
Towable Travel Trailers
Also known as a caravan, these living quarters on wheels must be attached to a truck, car or van using a hitch. Vehicles in this category include travel trailers, fifth wheel trailers, tent trailers, and truck campers.
Park Model Trailers
These vehicles are designed to stay in one place and serve as a vacation home once you tow them into place. Typically they are left at a motorhome or trailer park, or they might be placed on recreational land owned by you, a friend, or a family member.
Understanding RV Insurance and Motorhome Insurance
RV insurance is a blanket term for all types of insurance that cover the various classes of RVs, motorhomes, and travel trailers. Since there are several classes, it’s important to make sure your vehicle is covered properly and fully based on size, amenities, how it will be used, and whether it is self-driven or towed.
The Dawson & Keenan insurance team is well-versed in comparing and selecting RV, motorhome & travel trailer insurance in the Algoma District, where it’s a popular lifestyle choice. We can help you find the right insurance for your vehicle.
Additional Considerations for Choosing RV Insurance
We typically recommend exploring a separate policy for your RV, motorhome, or travel trailer, rather than adding it to your home and auto coverage. A separate RV insurance policy is much more comprehensive and specific to this type of vehicle. Important benefits you should inquire about when you choose RV insurance include:
Coverage for Breakdowns
Breakdowns happen and it’s important to understand what your insurance will cover in such an event, including coverage while traveling across borders.
Consider all the belongings and valuables on board and be sure your insurance covers what you expect.
Concerned that your policy might not be sufficient for all situations? Ask us about customizing your policy with options like Emergency Vacation Expenses, Guaranteed Replacement Cost, and more.
Be sure to ask your Dawson & Keenan broker about bundling options for auto and home insurance policies.