New Hampshire RV Insurance
Many New Hampshire residents love their recreational vehicles (RVs). Whether it be a travel trailer, fifth wheel or motorhome, many love hitting the open road and traveling for a quick weekend up through the Notch or for months at a time exploring this great country. With this fun, however; there is risk so having the right NH RV insurance policy is critical to keep you on the open road and financially protected.
Why do you need an NH RV Insurance policy?
Though an RV may be considered a type of vehicle, it cannot typically be added to a NH private passenger auto policy. It needs to have its own separate RV policy designed for its size and usage.
RV insurance can protect you as the owner of a recreational vehicle from the cost of repairing your camper if in an accident. It can also protect you from having to personally pay for bodily injury or property damage to another party if you are held legally responsible for a loss while operating your RV. This alone can provide the peace of mind you need while vacationing in your RV.
What types of events can be covered by NH RV Insurance?
Here are a few common examples of what can be covered:
- You back your travel trailer into a dumpster. Assuming you have collision coverage, your policy would pay to repair the travel trailer, less your chosen deductible, as well as any damage to the dumpster.
- Your RV is sideswiped by a hit-and-run driver while travelling down Rte. 95 in New Jersey at 2:00 am. Your policy may pay for some or all the towing with roadside assistance coverage, your un-expected hotel stay with emergency expense coverage and the cost to repair your RV with collision coverage less your chosen deductible.
- A hail storm comes out of nowhere and severely damages your camper. Comprehensive coverage would cover this loss, less your chosen deductible.
Because recreational vehicles can vary significantly in size, cost and usage, it is extremely important to speak with an insurance professional, like HPM Insurance, to discuss the usage of your RV and what you are looking to cover. There are many options and coverage can be customized to fit both your needs and budget.
NH RV Insurance Options:
A NH RV insurance policy is like car insurance in some regards, such as the following coverages:
Property Damage and Bodily Injury Liability (BI/PD): This coverage can pay for damages to other property and bodily injury to others that you are held legally responsible for extending from the usage of your RV. This coverage also typically includes defense costs in case you are sued.
Comprehensive and collision: This coverage pays for the repairs required on your recreational vehicle in case damaged or stolen in a covered claim. This could include colliding with another object or vehicle or getting damaged in a hail storm.
Uninsured/under-insured motorist: This coverage protects you in case you are involved in an accident caused by someone else, but that party does not have any insurance or enough insurance. UM/UIM can help pay for your injuries/medical bills and lost wages if you can't work.
Additional RV Coverage Options:
Market value, total loss replacement, agreed value coverage or actual cash value: These are some of the coverage options frequently offered by RV insurance companies. This is tied into what you will receive should your RV be declared a total loss. It is very important to understand the differences in these coverage options and select the one that is appropriate for you and your budget.
Vacation liability: a coverage option that may pay for an injury to someone else while at your camp site.
RV Roadside Assistance: This can cover the cost if your RV breaks down and needs to be towed to the nearest repair facility.
How much is RV Insurance for a NH resident?
Similar to an auto policy, there are several factors that go into the rate including:
- The cost of the RV
- The class of RV
- Where you will be travelling and for how long
- Driving history of operators
- Custom features of the RV
- Coverage limits and options selected
There are several insurance companies offering recreational vehicle insurance in NH so consider what is important to you, and speak with an insurance professional to ensure your concerns are addressed.
Camping is a way of life for many NH residents. If you love hopping into your RV and hitting the open road, be sure you are protected.
Why HPM Insurance for your NH RV Insurance Policy?
HPM Insurance offers RV Insurance throughout the state with multiple insurance companies. We not only insure RVs, we own RVs ourselves and love the fresh air, yet creature comforts an RV provides us. We get that an RV is not just a vehicle, it is a lifestyle and one that you want to protect.
To get a free quote, simply fill out the form on this page and the professionals of HPM will reach out to you to provide a customized RV quote to meet both your needs and budget. There is no cost to get a quote, so you have nothing to lose and only peace of mind to gain. We look forward to seeing you on the open road! Be safe!