The Morrow Insurance Agency serves our Mesa, AZ clients on what you need to know about RV insurance so you can get back to enjoying life. Whether you are new to your RV or ready for another season of adventure and want to review your coverages, this quick guide will help you understand the basics.
Which RVs Require Insurance Coverage?
If you can drive your RV, it requires minimal insurance liability coverage in most states. If you tow it from place to place, it’s unlikely that insurance is state-required, but you can still opt for coverage.
What RV Insurance is Required?
In Arizona, you are required to carry a minimum motor vehicle liability coverage of:
- $25,000 bodily injury liability for one person
- $50,000 for two or more persons
- $15,000 property damage liability.
You’ll find most states have similar minimum liability requirements for driveable RVs.
What Insurance Coverages Can You Get for Your RV?
- Collision: Payment for accident damage.
- Comprehensive: Payment for fire, theft, vandalism, wind, and other valid non-collision claims.
- Property Damage: Pays when your RV caused damage to another’s property.
- Bodily Injury Liability: Covers medical expenses related to an accident you are liable for in your RV.
- Uninsured Motorists: Covers your collision repairs when without a deductible when another motorist is responsible for collision damage but lacks liability coverage.
Unique coverages exist that offer specialized protection for motorhomes. These may include, but are not limited to:
- Total Loss Replacement: For newer RVs, the full replacement cost is provided in the event of a total loss.
- Replacement Cost Personal Effects: Covers the cost of your unattached possessions lost in a claim.
- Emergency Expense Coverage: This covers you if you become suddenly stranded due to a claim for travel expenses, food, and lodging.
Contact Us Today
If you are ready to add or renew your RV policy in Mesa, AZ, call or stop by the Morrow Insurance Agency today. Our team of insurance experts will be happy to answer your questions and help you prepare for your adventure with confidence.
