Buying an RV can be a wonderful, yet costly, experience. Having adequate insurance in place is a must, and our team at DePaulo Agency in Scotia, NY, shares some things first-time buyers might not know.

1. Do You Need RV Insurance on a Camper?

Campers are towed, not driven, making insurance optional in New York and most other states. The lender typically requires full coverage to protect their investment if there is a loan on the unit.

2. What Does RV Insurance Cost?

Different types and ages of RVs, along with their price range and various amenities and features, factor into coverage costs. Some other details that play a role include:

• Driving History
• RV Driving Experience
• Usage
• Credit Score
• Deductible

3. What Does RV Insurance Cover?

While most camper coverage is basic with collision and comprehension, RVs carry more extensive inclusions that include:

• Collision
• Comprehensive
• Bodily Injury
• Property Damage Liability
• Personal Injury Protection (PIP)
• Uninsured Motorist
• Limited Property Damage
• Property Protection

4. There are Key Coverages That Are Optional

Some things that owners might want to be covered are available only with supplemental policy add-ons.

Total Loss Replacement

Only available on previously untitled RVs aged up to just a few years qualify for total loss replacement coverage. Others are insured for actual cash value or an agreed value.

Custom Equipment

If you have tricked out or upgraded your RV’s interior or exterior, custom equipment coverage helps with costs should damage or theft occur. $1000 is automatically included, but costly upgrades mean you should increase those limits.

Personal Effects

Also not usually included in RV policies is personal effects coverage. This covers your belongings in an RV; homeowners insurance may cover them, but the homeowner’s deductible would apply.

Need RV and Camper Insurance Protection?

Paid off or not, you’ll have greater peace of mind with your recreational vehicle covered with insurance. Contact DePaulo Agency in Scotia, NY, to learn more and receive a quote.