RV insurance is like any other insurance, providing liability and loss coverage. However, depending on the type of recreational vehicle you own, the insurance requirements vary. The world of RVs is wide and varied. There’s a lot to choose from. Our Johnsen Insurance agents are committed to helping Baraboo, WI residents understand their insurance options as RV owners.
What is RV insurance?
In short, RV insurance protects your RV regardless of whether it’s being driven regularly or stored most of the time. The key determinant when it comes to insurance rests on whether your RV is motorized or not. If your RV is motorized, you are required by law to carry insurance. In essence, think of your RV as a car on wheels. As a result, it’s subject to the same laws as cars. Liability coverage is a requirement. However, depending on your situation, you may have to carry more than just liability coverage. Conversely, if you own a fifth wheel that doesn’t have a motor, insurance isn’t required unless you’re financing your fifth wheel. In this situation, your lender usually requires you to carry full coverage insurance until your RV is paid in full.
My RV doesn’t have a motor. Do I need insurance?
Probably not. You’re not legally obligated to carry insurance if your RV isn’t motorized. However, as mentioned above, your lender usually requires full coverage insurance if you don’t own a non-motorized RV. Insurance isn’t legally required for RV owners unless your RV is motorized. Like auto insurance, RV owners have various insurance options in addition to what’s required. Our insurance agents can help answer any questions and clear any confusion that you may have regarding RV insurance.
