What Are Recreational Vehicle Insurance Requirements and Regulations?

If you own a recreational vehicle (RV), you need insurance to protect you and your investment. RVs are often expensive, and it can be a significant financial burden to repair or replace if damaged or stolen. RV insurance can provide peace of mind by helping cover expenses resulting from unexpected events. Without adequate insurance, you would be responsible for costly incidents out of pocket.

What RV Insurance Do I Need?

RV insurance covers various types of recreational vehicles, ensuring financial protection for the vehicle, its occupants and third parties. Most standard RV insurance policies include the following coverages:

• Collision insurance may help cover the cost of damages to the RV if you are involved in a collision.
• Comprehensive insurance may help cover RV damages unrelated to an accident, such as theft, weather damage or vandalism.
• Bodily injury and property damage liability may help pay for property damage or bodily injuries you cause to a third party while driving your RV and may help cover legal fees resulting from such an accident.
• Uninsured/underinsured property damage and bodily injury may help pay to repair or replace your RV in an accident with an at-fault driver who doesn’t have adequate insurance coverage. These options may also help cover medical expenses for bodily injuries from these accidents.
• Medical payments coverage may help cover medical expenses for you and your passengers if you are in an accident involving your RV.

Additional coverages to consider include the following:

• Roadside assistance
• Total loss replacement
• Personal property protection
• Pet coverage
• Pest damage protection
• Emergency expense

How Are RV Insurance Premiums Determined?

Insurance companies may use the following factors to determine RV insurance rates:

• Vehicle make and model
• Age of the vehicle
• The vehicle’s safety features
• Your driving record
• Your claims record
• Where the RV is primarily parked and driven
• Available discounts with the insurance provider

What Are the RV Insurance Requirements in Iowa?

Every state has specific RV insurance requirements; however, most jurisdictions will have a minimum coverage requirement for bodily injury and property damage. Speak with a qualified insurance agent in your area to ensure you comply with local laws. If you live in Iowa, contact McCartan Insurance Group to discuss your insurance needs. Our team of experienced insurance professionals specializes in RV insurance and is dedicated to helping you find the right coverage for your vehicle and lifestyle.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.