RV Insurance in Vermont

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Who in Vermont is motorhome insurance right for?

Anyone in Vermont who owns an RV likely needs motorhome insurance. Minimum coverages are generally required when driving, and additional protections are broadly recommended.

For those who have financed or leased their RV, lenders usually have their own coverage requirements as well. Whereas the state is mostly considered with liability coverages, lenders may be interested in coverages that protect against RV damage.

What protections are important when getting motorhome insurance?

Motorhome policies might come with multiple important protections. Most can be categorized as fairly standard auto coverages, or additional coverages that aren’t typically found in standard auto policies.

Some auto coverages that might be important to have include:

• Personal Injury Coverage: Usually covers injuries sustained by occupants in the RV while driving.
• Bodily Injury Liability Coverage: Usually covers injuries sustained by those not in the RV, such as other drivers, other passengers, and pedestrians.
• Collision Coverage: Usually covers RV damage that’s caused by an accident with at least one other vehicle.
• Comprehensive Coverage: Usually covers RV damage that’s caused by non-collision incidents, such as theft, fire, animals, weather, or falling trees.
• Property Damage Liability Coverage: Usually covers damage the RV causes to another person’s property or vehicle in an accident.
• Gap Coverage: Usually covers the monetary difference between the RV’s current value and an outstanding loan amount.
• Underinsured/Uninsured Motorist Coverage: Usually covers accidents involving drivers who are uninsured or underinsured, and also hit-and-run accidents.

Lenders typically require collision, comprehensive, and gap coverages. The state typically requires bodily injury liability, property damage liability, and underinsured/uninsured motorist coverages.

Some examples of coverages that are less common in auto policies but frequently available through RV policies include:

• Personal Property Coverage: Might insure items inside the RV, such as clothing, small appliances, dishes, computers, cameras, and souvenirs.
• Emergency Travel Coverage: Might insure against lodging, food, and other unexpected expenses when travel plans are disrupted.
• Vacation and Campsite Liability Coverage: Might insure against injuries from non-vehicle accidents (e.g. “slip and fall” accidents) occurring in or around the RV when it’s parked.
• Full-Time RV Coverage: Might provide extra insurance protections for owners who use their RV as their full-time residence, and don’t have another primary residence.

Do RVs need to be insured when in storage?

In general, owners shouldn’t cancel their insurance policy when not using their RV for an extended period. Lenders usually still require coverage against damage, and it’s broadly recommended to insure against damage regardless of any financing requirement.

Specifically, comprehensive coverage is usually important to maintain. Fire, theft, weather, animals, and falling trees may all still be risks even when an RV is in storage. A building might protect against some of these, but it can’t prevent all risks. Comprehensive could ensure that an owner can repair their RV if something happens to it. Lenders might additionally require gap or other coverages.

For help adjusting coverages when storing an RV, owners can talk with an insurance agent who specializes in motorhome policies. A specialized agent will understand what coverages can be skipped when storing, and which should still be retained.

What does motorhome insurance Class A, B, or C?

Motorhome insurance classifications are based on the size and type of the vehicle. There are three main classifications that policies might fall into:

• Class A: Typically large motorhomes, converted buses, and similar.
• Class B: Typically mid-sized motorhomes, camper vans, and certain trailers.
• Class C: Typically small RVs, fifth-wheel trailers, and similar.

Where can Vermont motorhome owners find RV insurance?

For help insuring an RV that’s registered in Vermont, get in touch with the independent insurance agents at Palmer Insurance. Our agents have worked with many motorhome owners, and we’ll make sure you find the right RV insurance for yours.