Understanding Recreation Vehicles
Did you know that there are nearly 50 RV parks in and around Spokane, Washington? From independent parks to KOAs and Thousand Trails, there are many parks to choose from for your weekend getaway or two-week vacation. However, before you buy an RV and put it on the road, remember to get a good recreational vehicle (RV) insurance policy. Let’s take a look at what’s included in an RV policy and how much insurance you need in order to drive legally.
If you’re thinking about getting a new or used RV, you have plenty of dealers to choose from. According to the BBB, there are 88 RV dealers in and around Spokane, WA and many RVs to choose from. The most popular type of RV to purchase is a towable. These RVs do not contain engines. However, they’re usually the most affordable, and they give you the ability to drop your camper off at the park and see the sites around the area in your car, truck or van. Other RVs have an engine and are classified as A, B or C. Class A RVs are the most luxurious and largest. Class B RVs are built inside vans. They are the smallest and easiest to drive and typically recommended for solo travelers and couples. Class C RVs are between Class A and Class B in size and amenities, and they’re usually great for small families and couples.
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RV Insurance in Spokane, Washington
RVs need to have a minimum amount of insurance in Washington State in order to be operated legally.
- Bodily Injury – You must carry a minimum of $25,000 in bodily injury per person.
- Total Bodily Injury – You must carry a minimum of $50,000 in bodily injury per accident.
- Property Damage Liability – You must carry a minimum of $10,000 in insurance for property damage.
Additional Types of Insurance You May Need for Your Motorhome
If you want to be fully protected or you’re making payments on your RV, you’ll need to have full coverage. This means that if you’re in an accident, regardless of fault, your RV will be repaired or replaced.
- Comprehensive Insurance Coverage – Protects your RV if it’s damaged while it’s parked. This type of insurance typically covers, vandalism, fire and theft.
- Collision Insurance Coverage – Regardless of fault, this insurance coverage pays for the repairs or replacement of your RV after an accident.
- Uninsured and Underinsured Coverage – This insurance coverage helps pay for the repair or replacement of your RV if you are in an accident with someone who is underinsured or uninsured.
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Other Types of Insurance and Coverages that You May Want to Consider
- Roadside Assistance – If your RV breaks down while you are on the road, roadside assistance helps pay for the costs to tow it to a facility where it can be repaired.
- Vacation Liability Coverage – If you simply use your RV to go on vacation, you may want vacation liability coverage in addition to your basic liability coverage. This helps protect you if your on vacation and temporarily using your RV as a vacation home and you get into an accident.
- Attachments Coverage – If your RV has permanent attachments, like custom awnings or antennas, this coverage helps repair or replace them if they are damaged
- Emergency Expense Coverage – If you get into an accident or your RV is damaged and you are exceptionally far away from your permanent home, this coverage helps pay for additional expenses, like food and hotel stays.
- Personal Belongings Coverage – This insurance coverage helps repair or replace any of your personal belongings that get damaged in your RV because of an accident.
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Coverage for Van Life or RV Life
It’s important to note that most RV policies don’t assume that you’ll be living in your RV full-time or most of the time. They assume that you’ll take your RV out for a few weeks a year and then leave it parked the majority of the year. If you’re using your RV as your permanent home, you’ll need additional coverages, and the policy is often called Full-Time RV insurance.
Full-time RV insurance includes personal liability coverage, medical payments coverage and loss assessment coverage.
- Personal Liability – Helps pay for accidents and injuries that occur to other people while your RV is parked.
- Medical Payments – Helps pay for any medical costs associated with any injuries to other people while they are in or around your RV.
- Loss Assessment – If you damage an area of the RV park or the land you are parked on, this coverage helps pay for those damages.
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RV Insurance with Boyd Insurance Brokerage Inc. in Spokane
RVing is extremely popular in Spokane, WA and throughout the state. Washington is estimated to have 124 state parks and more than 800 RV parks. This means that many RVers don’t need to leave Washington to find an adventure. Of course, before you head out on the road, make sure you have enough insurance. Our agents at Boyd Insurance Brokerage Inc. can help you find the right amount of RV insurance for your rig whether you plan to take it out for a few weeks in the spring, fall and summer or if you plan to make your RV your new home on wheels.
To learn more about our RV coverage and to get a quote, give us a call at 509-340-2693.
