RV Insurance

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insure@portsmouthatlanticins.com

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Stratford, CT

RV Insurance in New Hampshire

What is RV insurance?

Recreational vehicles are unique, and therefore present unique insurance considerations. New Hampshire residents who have a motorhome will likely find that purchasing RV insurance is the best way to protect their vehicle.

RV insurance is vehicle insurance tailor-made for motorhomes. It offers many auto coverages, as well as some extras that might be found in homeowners or other policies.

What New Hampshire residents need to carry motorhome insurance policies?

Most New Hampshire residents who have an RV should carry motorhome insurance. This includes full-timers, seasonal part-timers, weekenders, and anyone else who has one of these vehicles.

New Hampshire technically doesn’t require auto insurance if residents can show they have the financial means to provide compensation if they cause an accident. Thus, wealthy RV owners might not actually be required by state law to carry motorhome insurance. Insurance is still highly recommended, however, as accidents can result in extremely high costs.

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Coverages to Consider

Personal Injury Protection
Bodily Injury Liability
Collision Coverage
Comprehensive Coverage
Property Damage Liability
Uninsured and Underinsured Motorist Coverage

Personal Property Coverage
Emergency Expense Coverage
Vacation and Campsite Liability Coverage
Full-Timer Coverage

What protections can RV owners get through motorhome insurance policies?

Motorhome insurance policies offer a range of protections for RV owners, including the following:

Personal Injury Protection: Usually covers injuries sustained by the driver and passengers of the RV
Bodily Injury Liability: Usually covers injuries to other vehicle passengers and others in an accident involving the RV
Collision Coverage: Usually covers damage to the RV in an accident with another vehicle
Comprehensive Coverage: Usually covers damage to the RV from other types of incidents (e.g. theft, vandalism, falling trees, etc.)
Property Damage Liability: Usually covers damage to other vehicles or property in an accident involving the RV
Uninsured and Underinsured Motorist Coverage: Usually covers accidents caused by drivers without insurance
Personal Property Coverage: Usually provides protection for personal belongings, such as dishes, cameras, clothes, and souvenirs, that are kept inside the RV
Emergency Expense Coverage: Usually reimburses the expenses for lodging, food, and transportation in the event of an unexpected travel interruption
Vacation and Campsite Liability Coverage: Usually provides protection against incidents that occur while the RV is parked and set up at a campsite or vacation spot
Full-Timer Coverage: Usually offers additional protection for RV owners who use their vehicle as their primary residence

There are still more coverages that policies might offer and motorhome owners might want.

What types of motorhomes can motorhome policies insure?

Motorhome policies are divided into different classes based on the size and style of the RV. Policies are available for most types of motorhomes, although any given policy will usually only cover a single class:

Class A Policies: Normally are for the largest RVs, converted buses and similar
Class B Policies: Normally are for medium RVs, travel trailers, camper vans and similar
Class C Policies: Normally are for the smallest RVs, fifth-wheel trailers and similar

Should RV owners look for a motorhome policy with personal property coverage?

Most people need personal property coverage to make sure that their belongings are insured. How RV owners procure this coverage can be in a couple of ways.

RV owners who have homeowners insurance policies that cover their personal belongings may not need additional personal property coverage through their motorhome policy. If a homeowners policy provides “worldwide coverage” for personal property, then belongings are likely already protected even when in an RV.

RV owners who stay in their motorhome full-time and don’t have an alternative primary residence probably don’t have personal property coverage in place through another insurance policy. In this situation, RV owners should probably look for a motorhome policy that includes personal property coverage.

How can RV owners get RV insurance?

To get RV insurance for a New Hampshire-registered motorhome, contact the independent insurance agents at Portsmouth Atlantic Insurance. Our knowledgeable agents can help you make sure your RV is well protected.