RV Insurance in Virginia
What is RV insurance?
Operating recreational vehicles brings unique risk considerations, and consequently requires unique insurance. For motorhome owners in Virginia, RV insurance is well-tailored to meet the needs that these vehicles present.
RV insurance is vehicle insurance that’s tailored for covering RVs and motorhomes. Policies merge auto insurance and other coverages to provide robust protection against on-road and off-road risks.
Who in Virginia should have motorhome insurance?
Most Virginia residents who own a motorhome or RV should have motorhome insurance. This tends to best way to meet legal auto coverage requirements and get other valuable protections.
Full-timers, seasonal part-timers, and weekend adventurers all may purchase these policies for their motorhomes.
What coverages are available through RV policies?
RV policies can offer extensive protections for motorhomes and their owners. Coverage options include the following, but certainly aren’t limited to only these protections:
- Personal Injury Protection: Normally covers injuries suffered by the driver and passengers in the motorhome.
- Bodily Injury Liability: Normally covers injuries to other people involved in an accident.
- Collision Coverage: Normally covers damage to the motorhome when there’s an accident with another vehicle.
- Comprehensive Coverage: Normally covers damage to the motorhome when it’s caused by incidents not involving another vehicle (e.g. a falling tree or an animal).
- Property Damage Liability: Normally covers damage to other vehicles or property if the motorhome is in an accident with another vehicle.
- Underinsured and Uninsured Motorist Coverage: Normally covers accidents caused by drivers who don’t carry adequate insurance coverage.
- Personal Property Coverage: Normally covers personal items inside the motorhome, such as kitchenware, electronics, clothing and other items.
- Emergency Expense Coverage: Normally covers costs for food, accommodation and transportation in the event of unexpected travel disruptions.
- Vacation and Campsite Liability Coverage: Normally covers incidents that occur when the motorhome is parked and being used at a campsite or other location.
- Full-Timer Coverage: Normally provides additional protections for owners whose motorhome is their primary residence.
What types of motorhomes can be insured with an RV policy?
Motorhome policies are categorized into different classes based on the size and style of the RV. Policies are available for almost all types of motorhomes, but each class is intended for a general size:
- Class A Policies: Generally meant for larger RVs, converted buses and similar vehicles.
- Class B Policies: Generally meant for medium-sized RVs, camper vans, travel trailers and similar vehicles.
- Class C Policies: Generally meant for smaller RVs, fifth-wheel trailers and similar vehicles.
An insurance agent who specializes in motorhome insurance will be able to help owners determine which class their vehicle fits in.
Do RV owners need personal property coverage in their motorhome policy?
Personal property coverage is perhaps the most common way to insure belongings. The coverage is often useful for protecting dishes, furniture, clothes, cameras, bikes, computers and most other belongings that people have. How motorhome owners acquire this coverage depends on the terms of their homeowners insurance policy.
Many owners will find that their homeowners policy provides adequate coverage for personal belongings. A homeowners policy that offers “worldwide coverage” or something similar will normally protect belongings wherever an RV might be driven.
Some homeowners policies restrict their personal property coverage to a home’s premises, though. Of course, full-timers frequently don’t even have a homeowners policy.
If there’s no homeowners policy or it doesn’t have worldwide coverage, then personal property coverage may need to be included within a motorhome policy.
A knowledgeable insurance agent can help motorhome owners review any homeowners policy that’s in effect, and determine whether personal property coverage should be purchased through a motorhome policy.
How can RV owners in Virginia secure RV insurance?
For help insuring a motorhome that’s registered in Virginia, reach out to the independent insurance agents at Hampton Roads Insurance. Our team will work closely with you to find an RV insurance policy that’ll protect your motorhome, your stuff, and yourself well.
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Open | Mon-Fri 8 am-4:30 pm
Closed | Sat-Sun & Holidays
Our location
11024 Warwick Blvd
Newport News, Virginia 23601
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Reach out to the Hampton Roads team today for any questions or insurance quotes!
