As with other types of insurance, RV’s and mobile home insurance pricing comes down to risk. Factors like the type of motorhome, how often you use it, your driving record determine what you’ll pay.
Type: A larger motorhome will typically cost more to insure than a smaller one. Similarly, a conventional travel trailer will usually cost more to insure than a truck camper.
Use: If you live in your RV, you are more of a risk to your insurer than someone who uses their RV recreationally since it is used a lot less. Usually, the more you use your RV, the more you’ll pay to insure it.
Driving experience: RV drivers with more experience will pay less than someone who is new to managing these bigger vehicles. Your overall driving experience and record as well counts with this.
A few tips
- Ask one of our agents if customer assistance is available 24/7 to answer all your insurance questions. You’ll want to know who will work with you in the event you have a loss or incident with your RV.
- Always ask for discounts! Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more.
- You can save by bundling up your RV or motorhome insurance. Remember, you can insure more than one item with a single company, including your home, cars, motorcycles, and boats.
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