Top-Tier RV Insurance
Get Competitively Rated RV Insurance
Do you own a recreational vehicle? Whether your RV or trailer is used to travel in as a full-time residence, or it’s something that you own for the occasional fun weekend getaway, it’s crucial to have RV insurance coverage to protect your unique needs. Self-motorized RVs, like motorhomes, will need to have insurance as per state law in many states as well.
Here at AHI, we help you build a custom policy that safeguards your travel trailer, motorhome, etc., in almost any situation. Whether you own a tow-behind trailer, a motorhome, or even just a utility trailer, we have the right solutions to fit your needs, thanks to our partnerships with some of the top carriers in the U.S.
Get started now with a free RV insurance quote and hit the road with confidence, knowing that you, your passengers, and your vehicle are protected from losses.
What Does RV/Trailer Insurance Cover?
Each RV/trailer insurance policy is different, but in many states motorized trailers will be required to adhere to state-mandated auto insurance laws. This means that they’ll likely need to be insured with the base liability insurance, personal injury protection, uninsured motorist protection, etc. Additional coverages are optional, but in many circumstances highly recommended.
Here are some examples of what your RV/trailer insurance may cover:
Comprehensive and Collision
These physical damage coverages are usually optional, but are highly recommended for protecting your RV or trailer against at-fault damages due to a collision or rollover, as well as damages as a result of fire, theft, vandalism, natural disasters, falling objects, and similar events.
Bodily Injury and Property Damage Liability
After an accident involving another driver, cyclist, or pedestrian, your RV/trailer insurance policy may include coverage for bodily injury and property damage liability. This can help cover any medical bills, repair costs, and even legal costs. Some tow-behind trailers will have some coverage under your auto policy for these kinds of losses.
Medical Payments Coverage
If you or any of your passengers is injured while on the road in your RV or trailer, medical payments coverage may help to compensate you or them for the cost of medical bills, treatments, and even (with certain policies) lost income.
Full Timer’s Liability
If you’re someone who uses their RV or trailer full-time, then you may face increased liability exposures than if you only used your RV or trailer occasionally. Full timer’s liability accounts for that increased exposure, potentially extending your coverage to include incidents cross-border and for a prolonged period.
What Does RV Insurance Cost?
RV insurance or trailer insurance policies may start at around $125/year but can cost as much as $2,000/year or more. RV insurance quotes vary depending on the following factors:
- The make/model of the RV
- The age and condition of the RV
- If it is self-motorized or not
- The size of the RV
- How often the RV is used
- If the RV is driven across borders
- The value of the RV
Every RV insurer in the U.S. has their own way to market policies. Costs may vary depending on which variables they weigh the most, which results in a variation in policy prices. For a more exact price, reach out to get a free quote.
Saving on Recreational Vehicle Insurance
Are you on the hunt to purchase your next RV or trailer? Shopping around for insurance quotes to protect that upcoming purchase? If so, you should know some of the best ways to save money on your recreational vehicle/trailer insurance policy. Here are our top tips:
Work with an agent
You can certainly shop for RV or trailer insurance quotes on your lonesome, but it isn’t always the easiest of tasks – especially when you’ve got your upcoming road trip to think about. An agent will recommend you some of the best options for your RV insurance, guaranteeing you the best rates.
Multi-policy discounts
If you already have a home, condo, or even a renters policy, you may consider purchasing your RV or trailer insurance through the same insurer can help you earn additional savings. Some insurers will discount you up to 15% per policy.
Drive safe
One of the best ways to save money is to avoid making a claim in the first place. Your RV insurance rates will usually be impacted negatively after your first at-fault claim, and it can take up to 6 years for certain convictions or violations to fall off your record. Be a responsible driver, follow the rules of the road, and avoid taking any unnecessary risky maneuvers!
Quick: RV Insurance FAQs
Does a motorhome need insurance?
A motorhome is a type of RV that is self-motorized, meaning it isn’t towed behind another vehicle. In most states, any vehicle that is motorized and driven on public roads needs to be insured.
Does my car insurance cover my trailer?
Your car insurance can cover your trailer to some extent while on the road, such as if you were responsible for someone else’s injuries or damage to their property. However, your auto policy’s physical damage component will not extend to your trailer, nor will your trailer be covered once it’s parked.
What is emergency expense RV insurance?
If your RV ends up being disabled due to an insured loss and you’re further than 50 miles from your permanent residence, you may have coverage for temporary accommodations, food, fuel, and more as part of your emergency expense RV insurance.
Connect with an AHI RV Insurance Agent
Are you a trailer owner in need of insurance coverage in Kansas, Nebraska, or any of our serviced states? Are you looking for insurance to safeguard your trailer and provide liability coverage? Your search concludes with AHI Group, a prominent insurance provider specializing in trailer insurance and a diverse range of coverage options.
Whether you're a first-time trailer owner or have a history of trailer ownership, AHI Group is ready to support you. Reach out to us for detailed information on our comprehensive insurance solutions. Don't hesitate to contact us; we are dedicated to helping you meet your trailer insurance needs.
