Can an RV Be Insured as Your Primary Vehicle?

Recreational vehicles (RVs) are multipurpose vehicles for road trips, short vacations or full-time residences. Contact Arches Insurance in Pleasant Grove, Utah, to learn more about the insurance coverage you need for your RV.

Do I Need RV Insurance?

Just as with a car, you may need minimum amounts of liability coverage for your RV. For example, you may need the following types of liability coverage:

Property damage liability coverage may help cover costs associated with third-party property damage you cause while driving.

Bodily injury liability coverage may help pay for expenses (e.g., medical bills and legal fees) if you cause bodily injuries to third parties with your RV.

You may also want to consider the following additional coverages to help ensure your vehicle is adequately covered:

Uninsured/underinsured insurance coverage
Medical payments coverage (MedPay)
Comprehensive insurance coverage

Collision insurance coverage

Ask your insurance agent if you have adequate coverage for your RV. a bus traveling down a dirt road

Can an RV Be Insured as My Primary Vehicle?

Due to their size, RVs may be able to cause more damage to other vehicles on the road, and they are typically more expensive to repair than standard vehicles. For this reason, you may need to carry higher liability limits on your RV than you would need for a standard vehicle you use only for transportation. Additionally, if you live in your RV full-time, you may want to consider full-time RV insurance coverage. Work with our agents to determine how to best insure your RV.

Getting RV Insurance

An experienced insurance agent can help you find the right RV insurance. Contact Arches Insurance to learn more about our RV insurance policies and to get an insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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