RV Insurance in Rhode Island
Experts break down Rhode Island RV insurance costs, coverage, companies, and more.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career. He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.
Rhode Island is a small but scenic state located on the Atlantic Ocean. It has dozens of campgrounds and RV parks awaiting you as you explore the thriving cities, charming small towns, and beautiful beaches.
RV insurance protects you, your vehicle, and your belongings when you’re vacationing or even living full-time in an RV. An independent insurance agent can help you get multiple quotes for RV insurance in Rhode Island. A local agent can help you choose the best coverage for your needs and budget.
What Is RV Insurance?
RV insurance is a personal insurance policy designed to cover the specific risks of driving and even living in an RV. This insurance protects a recreational vehicle in the same way that auto insurance protects cars and other personal vehicles. It should cover your personal property inside the RV and provide liability protection if you injure someone or damage someone’s property while driving your RV.
Depending on the type of RV you have, your RV insurance can be purchased as an add-on to your auto insurance policy or a separate RV insurance policy. You'll need a separate RV insurance policy if your motor home is classified as Class A, Class B, or Class C if it's financed or a rental.
RV insurance is generally divided into two categories: recreational and full-timer. If you don't live in your RV full time, recreational insurance will cover your RV inside and out when you’re on the road or parked at a campsite. A full-time RV insurance policy is for those who use a motor home or travel trailer as their primary residence.
How Much Does RV Insurance Cost in Rhode Island?
The cost of RV insurance in Rhode Island varies depending on the type of vehicle, how it's driven, and the driver's characteristics. Part-time RV insurance is likely to cost less than full-time RV insurance because full-timers spend far more time driving the RV, travel further, and keep more possessions inside the vehicle.
Here are some of the factors that will influence the cost of RV insurance in Rhode Island:
- The driving record of the RV owner, including RV driving experience
- How many miles the RV will be driven, and where it will be driven
- The type and class of the RV
- The size and length of the RV
- The age and condition of the RV
- The value of the RV
- Where the RV will be stored
- Whether the RV is financed
Types of coverage and deductibles selected also play a significant role in your RV insurance costs in Rhode Island.
What Does RV Insurance Cover in Rhode Island?
A basic RV insurance policy in Rhode Island is likely to include the following types of coverage:
- Liability coverage: (required by law) Protects you if you cause injury or damage to someone else while operating your RV.
- Comprehensive and collision coverage: These work like your auto insurance policy's comprehensive and collision coverage. They cover physical damage to your RV, and they are optional, but your lender will require them if you finance your RV.
- Uninsured and underinsured motorist coverage: Protects you if you’re hit by an uninsured or underinsured driver while operating your RV.
- 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, etc.
- 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.
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.
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Is RV Insurance Required in Rhode Island?
RV insurance can cover many different types of vehicles, including:
- Class A, B, and C motor homes
- Travel trailers, including conventional and fifth-wheel
- Pop-up and truck campers
If you use your RV as a motor home and drive it on public roads under its own power, Rhode Island state law requires you to carry a minimum amount of liability insurance. The required minimum amounts of liability insurance that motorists must carry in Rhode Island are as follows:
- $25,000 for each injury or death per accident
- $50,000 for total injuries or deaths per accident
- $25,000 for property damage per accident
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 live in your RV full-time, you’ll need special “full-timer” RV insurance that combines elements of auto insurance and homeowners insurance. And 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 policy of the vehicle that is towing it.
What Are the Best RV Insurance Companies in Rhode Island?
Local independent insurance agents make comparison shopping for RV insurance easy. They can obtain quotes from the best RV insurance companies in Rhode Island and ensure that you're getting your policy at a competitive price.
How Can an Independent Insurance Agent Help Me Find RV Insurance in Rhode Island?
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.
Contact an agent today for a free, no-obligation consultation.
https://www.iii.org/automobile-financial-responsibility-laws-by-state
https://dbr.ri.gov/documents/divisions/insurance/property_casualty/com_guide-auto_insur.PDF
https://rvshare.com/blog/top-10-campgrounds/rhode-island/