RVs, or recreational vehicles, are very common in the United States. Auto insurance is mandatory in Tennessee, and since your motorhome is a vehicle, you need insurance to operate it on the road and other public spaces. Recreational vehicles, also known as travel trailers, popup campers, or fifth wheels, come in many shapes and sizes. For that reason, buying insurance for a recreational vehicle can be a bit confusing.
You may or may not be required to insure your RV depending on whether you drive it by itself or you tow it behind your car. If you drive it, you have to insure it, and if you tow it behind your car, you may not be required to do so. Many people assume that since an RV is a vehicle, regular car insurance should be able to cover it sufficiently, which is totally wrong.
Driving and taking care of an RV or motorhome is different from a truck or car. Insuring your RV/motorhome with a traditional car insurance policy would be a mistake. Parks & Associates Insurance LLC can help you secure coverage that guarantees full protection for your RV. So, what type of coverage should you get?
The minimum requirements for auto insurance in Tennessee include liability coverage and uninsured/underinsured motorist protection, but that’s not enough. You need to get a standard motorhome insurance policy. A standard motorhome insurance coverage may include coverages such as Personal Injury Protection (PIP), Property Protection, Limited Property Damage, Collision, and Comprehensive.
There are several factors to consider when shopping for RV insurance. The type of coverage you need varies depending on the type of your RV or motorhome or what you use it for. If you are looking to purchase RV insurance in Tennessee, Parks & Associates Insurance LLC can help you secure coverage. Give us a call or visit our offices for more information on RV/motorhome insurance.