Before You Roll: 7 Essential RV Coverage Tips
Summer is calling, and it’s time to hit the open road! There’s no better way to embrace the warm weather than with a fun-filled RV trip to explore new horizons. Your summer road trip dreams deserve more than a patchy policy. Here’s how to get your RV insurance ready for the ultimate summer road trip.
1. Give Your RV Insurance a Quick Check-Up
Take a moment to review your RV insurance policy. Not all insurance plans are created equal, and you want to make sure yours covers everything you need for your summer travels. Double-check that your policy includes coverage for both the RV and any trailer you’re towing. Also, make sure it covers liability, comprehensive, and collision damage for unexpected situations. Your vacation may take you into new, unfamiliar territories, so you’ll want that extra peace of mind.
2. Don’t Leave Home Without Roadside Assistance
Imagine this: you’re cruising down a scenic route when—bam!—flat tire. Or worse, your RV decides to break down in the middle of nowhere. Roadside assistance is your best friend on the open road, and it’s essential for any RV adventure. If your current policy doesn’t include it, consider adding it to your plan. It’s usually affordable and will save you from feeling stranded. Towing, flat tire fixes, fuel delivery, and more—roadside assistance has your back.
3. Covered for RV Rentals? Double-Check!
Planning to rent an RV for your trip? Great choice! But before you sign on the dotted line, make sure your insurance covers rental vehicles. Some RV policies do, while others don’t, so it’s essential to check. If your insurance doesn’t extend to rentals, the RV rental company might offer a separate plan—but be sure to ask about it upfront to avoid any surprise costs. Confirming this detail ahead of time can save you the hassle and the expense of unnecessary add-ons.
4. Out of State or Out of the Country? Know Your Coverage Limits
Planning to travel across state lines—or even into another country? It’s important to check whether your RV insurance extends to those areas. Some policies only cover you within your home state or country, while others may provide nationwide or international coverage. Don’t get caught off guard—verify that your policy covers your travel route and, if necessary, upgrade your coverage for extra protection.
5. Comprehensive Coverage: Because Anything Can Happen
The open road can lead to unexpected situations. Whether you’re parking your RV at a remote campsite or leaving it in a bustling city parking lot, comprehensive coverage protects against theft, vandalism, or damage while your RV is parked. If you’re planning to leave your RV for an extended time—whether for a hike or sightseeing trip—this coverage is a must-have. Be sure to check that your policy has you covered, even when your RV isn’t moving.
6. Keep Your Insurance Info Close by
While you’re on the go, having quick access to your insurance info can be a lifesaver. Store your policy number, insurer contact details, and emergency procedures digitally on your phone or in an app for easy access. Whether you’re crossing state lines or traveling through unfamiliar areas, having this info handy ensures you’re prepared for anything that might come your way.
7. Explore Additional Coverage Options
Some RV insurance providers offer extra coverage options that might be perfect for your trip. If you’re taking a long-term trip or living in your RV full-time, you might want to look into vacation liability insurance or full-time RV insurance. These policies provide added protection, including coverage for activities outside of driving, like accidents at campsites or damages during recreational activities.
Don’t Let Insurance Gaps Ruin Your Road Trip
The last thing you want on your dream RV getaway is to realize your insurance doesn’t cover something unexpected. A little extra time reviewing your policy before you leave can save you from major headaches down the road.
Ready to hit the road with confidence? Check your RV insurance today, get a free quote, and be fully covered for all the unforgettable adventures that await you!
