What RV Coverages Are Available?

"Local independent insurance agents make comparison shopping for full-time RV insurance easy. They can obtain quotes from the best RV insurance companies in Idaho and ensure that you’re getting your policy at a competitive price.

Because you drive your motorhome like a car, you'll usually need to carry liability insurance that meets the state's minimums for auto insurance coverage. On the other hand, the towing vehicle's liability policy usually covers trailer-type RVs.

“RV insurance is required in Idaho if you use your RV as a motor home and drive it on public roads under its own power. Idaho state law requires you to carry a minimum amount of liability insurance, as follows: Bodily injury liability coverage of $25,000 per person and $50,000 per accident.”

Part-time RV users who only use their vehicle during certain months can suspend their collision and liability coverage when the RV is not in use. This can help them save money on their premiums.

Keep in mind that RV insurance in Idaho will have coverage exclusions. It will typically not cover general wear and tear or mechanical problems. It also won’t cover damage caused by mold, fungi, rot, earthquakes, and floods.

RV Insurance in Idaho

With miles of uncrowded roads, majestic scenery, and hundreds of privately owned RV parks and public campgrounds, Idaho is an RV owner's paradise. Many of Idaho’s RV parks are located along rivers, lakes, or golf courses, providing hours of fun for your RV vacation getaway.

But a lot can go wrong while you’re traveling in your RV. Whether you're a full-time or a part-time RVer, it's important to understand the risks of driving an RV and how to protect yourself.

It’s important to have RV Insurance in order to protect yourself, your RV, and your belongings when you hit the road. An independent insurance agent can help you get multiple quotes for RV insurance in Idaho. A local agent can help you choose the best coverage for your needs and budget.

You may also choose to purchase comprehensive and collision insurance to cover physical damage to your RV. There may be other requirements under certain circumstances, such as:

• If you live in your RV full time, you’ll need special “full-timer” RV insurance that combines elements of auto insurance and homeowners insurance.

• If you finance the purchase of your RV, your lender is likely to require you to buy comprehensive and collision coverage in addition to liability coverage before your financing will be approved.

If you’ve got an RV like a pop-up, travel trailer, or fifth-wheel that is towed behind another vehicle, it will be covered by the car insurance policy of the vehicle that is towing it.

A basic RV insurance policy in Idaho is likely to include the following:

• Liability coverage: (required by law) Protects you if you cause injury or damage to someone else while operating your RV.

• Comprehensive and collision coverage: Works just like the comprehensive and collision coverage in your auto insurance policy. They cover physical damage to your RV. They are optional, but will be required by your lender if you finance your RV.

• Uninsured and underinsured motorist coverage: Protect you if you’re hit by an uninsured or underinsured driver while operating your RV. In Idaho, insurance companies are required to provide uninsured and underinsured motorist coverage, unless you have waived the coverage in writing.

• Medical payments coverage: Pays for medical expenses for you or your passengers if you’re in an accident, regardless of who is at fault.

A variety of other RV insurance coverage options are available. Depending on the insurance company you choose, these may include:

• International travel coverage: Will cover you if you plan to drive your RV into Mexico or Canada.

• Loss replacement coverage: Will help you replace your RV if it suffers a total loss.

• Personal property insurance: Provides coverage for personal items inside your RV, such as clothing, kitchen items, tools, equipment, electronics, and so on.

• Attached accessories coverage: Reimburses you for damage to items like awnings or TV antennas that are not covered under the basic policy.

• Emergency expenses coverage: Reimburses you for hotel or transportation costs after you’ve had an accident and cannot use your RV.

• Campsite and vacation coverage: Protects you if you use your RV or motor home as a temporary residence during a vacation. It covers your liability exposures in these situations.

Why Shop RV Insurance with an Idaho Independent Insurance Agent?

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.

What’s more, your agent will be there for you when claim time comes. They know the ins-and-outs of the process and will make sure your claim is handled appropriately." ~ Ann Herro, Trusted Choice