Do I need RV insurance if I only drive my RV once a year?

RVs provide a home’s comfort with a car’s convenience and mobility. Many people own RVs and are free to travel without worrying about hotel stays. Some people use their RV full-time, while others may use it only once a year. Our West Hartford, CT team at ALLConnecticut Insurance is dedicated to helping RV owners get the coverage they need.

What is RV Insurance?

RV insurance is similar to auto insurance in that it protects RV owners for liability or at-fault accidents, property damage, out-of-pocket costs for repair, and roadside help. In essence, RV insurance covers many of the same things auto insurance covers. This includes damage from auto accidents, extreme weather conditions, non-insured motorists, and more. Fire, theft, falling tree branches, and more are examples of incidents covered by RV insurance.

Do I need RV insurance if I Only Drive Once a year?

Whether you are a full-time RV-er or you drive your RV occasionally, you’re still required to carry liability insurance for your RV. Similar to cars, RV drivers are required to carry state liability coverage that meets the state minimum requirements. Plus, RV drivers living in a no-fault state must carry PIP or personal injury insurance. RV insurance can also provide roadside help if you need it. Your insurance agent can help you get the policy that meets your needs. If you have questions about RV insurance and want to know what an RV insurance policy covers, call us. We can help you find the coverage that suits your needs best, regardless of how frequently you drive your RV.