Owning Vs. Renting

  • Buy: You plan to go RV camping often or full-time and you have storage for the times when you aren’t traveling.
  • Rent: You plan to go on a single trip, or want to test the waters before making a purchase.

It is always a good idea to take a test drive on the RV you plan to rent/purchase. Once you get the hang of driving an RV, you can make necessary adjustments. Such as, if your drawers pop open, which they often do, you need to find a way to keep them shut.

Make sure you always travel with the necessary tools and spare parts. It’s better to be over equipped rather than under prepared! For example extra fuses, light bulbs, jumper cables, nuts, bolts and connectors are a few things that are handy to carry in your RV at all times.

Create a Campground Setup Checklist

  • Check the site for low hanging branches or obstacles on the ground.
  • Locate the electrical, water and sewage hookups.
  • Pull your RV in, close to the hookups, and level it with blocks or stabilizing jacks, if necessary.
  • Secure your rig by chocking the wheels.
  • Connect to the electrical hookup, and switch your appliances to pull from this source of power, instead of the battery or propane.
  • Attach your sewer hose to the drain hook-up—be sure to wear gloves for this process.

Camping season means people are taking their RVs and campers out and hitting the road for weekend excursions in the woods. Coexisting with wildlife is expected when you rough it — even if only for a day — so what happens if one of nature’s creatures takes a liking to your RV or camper and causes a little damage to it? Does your insurance cover it?

Choose Comprehensive Coverage

Comprehensive coverage applies to claims involving animals and your vehicle. Your policy most likely states that sudden, accidental losses caused by contact with an animal are covered by Comprehensive coverage. So, if a deer, moose, bear or even a bird runs into your RV or camper, Comprehensive should apply to the damage. Coverage may not apply if you have left your RV or camper unoccupied for a long period, such as more than two weeks.

An RV holds the promise of exploring the country and finding new adventures. But first you need to protect your investment, and that involves a little more work than when finding personal auto insurance.  Recreational vehicle Insurance is geared to the unique needs of RV owners and provides the options to protect your home on wheels, whether you live in it full time or use it occasionally.

Required coverage

Like auto insurance, RV insurance includes several types of coverage, and some are mandatory. In the State of Nevada you must carry 15k/30k/10k in Bodily Injury and Property Damage which pay for damage and injuries to others in accidents you cause. This coverage is required to register a recreational vehicle. In Nevada you must pay attention to the registration and titling requirements for RV’s, otherwise you risk receiving fines and other penalties.

RV insurance can protect your investment from top to bottom. With RV insurance, you can select many types of coverage, including Vacation Liability, Full Timer’s, Emergency Expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you’re on a trip.

Capital Auto RV insurance quotes are offered 24/7, online or by phone. With so many options to choose from, we provide you with information to help you choose the best coverage for your RV at the right price. Start building your policy today with a Capital Auto RV insurance quote, and check out our affordable rates!

Keep in mind that RV insurance covers several kinds of vehicles:

  • Motor Home—Including Classes A, B, and C
  • Motor Coaches
  • Camper Vans
  • Travel Trailers
  • Campers
  • Pop-Ups
  • Fifth Wheels
  • Toy Haulers