RV Insurance in New Hampshire
Many New Hampshire residents love their recreational vehicles (RVs). Whether it's a travel trailer, fifth wheel, or motorhome, many love hitting the road and traveling for a weekend up through the Notch or for months at a time exploring the US. With fun, however, often comes risk, so having the right NH RV insurance policy is crucial to keep you on the road and financially protected.
Why You Need RV Insurance in NH?
Though an RV may be considered a type of vehicle, it cannot typically be added to a NH private passenger auto policy. It needs its own separate RV policy, designed specifically for its size and usage.
Top reasons to get RV insurance:
- Coverage for motorhomes, travel trailers, fifth wheels, and campers
- Protect your RV from damage caused by collision, vandalism, and natural disasters
- Liability coverage for injuries and property damage of others
- Emergency roadside assistance and towing
- Vacation liability while parked at a campsite
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 cover some or all of the towing costs with roadside assistance coverage, your unexpected hotel stay with emergency expense coverage, and the cost to repair your RV with collision coverage, minus 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 crucial to consult with an insurance professional, such as HPM Insurance, to discuss the specific usage of your RV and what you intend to cover. There are many options and coverage can be customized to fit both your needs and budget.
NH RV and Travel Trailer Insurance Options:
RV and travel trailer policies can be customized to your needs and can include:
| Coverage Type | What it can Protect |
| Comprehensive & collision | Can pay for repairs if the RV is damaged or stolen. EX: colliding with another object or damage from a hail storm. |
| Property Damage & Bodily Injury Liability | Can pay for damages to other property or bodily injury to others that you are held legally responsible for from the usage of your RV. Also includes defense costs. |
| Uninsured/under-insured motorist: | Can protect you in case you are in an accident caused by someone else, but they do not have insurance or enough insurance. UM/UIM can help cover your injuries/medical bills, and lost wages if you are unable to work. |
| Roadside Assistance/Emergency Expense | Can cover towing in case the RV breaks down and needs to be towed to the nearest repair facility. May also include lodging and travel costs. |
| Vacation liability | Can pay for an injury to someone else while at your campsite. |
| Market value, total loss replacement, agreed value coverage, or actual cash value | Coverage options that may be available if your RV is a total loss. It is essential to understand the differences in these coverage options and select the one that is most suitable for you and your budget. |
How Much Does RV Insurance Cost in New Hampshire?
Similar to an auto policy, several factors go into the rate, including:
- The type and cost of the RV
- Driving history of operators and usage
- Custom features of the RV
- Coverage limits, deductibles, and options selected
HPM works with several RV insurance companies to help you find a policy for your needs and budget.
Why Choose HPM Insurance for your RV
- Local expertise in New Hampshire RV insurance
- Independent agency with access to multiple insurers
- Personalized quotes and coverage recommendations
- Friendly service from agents who understand RV life
We not only insure RVs, but we also own RVs ourselves and love the fresh air, as well as the creature comforts that an RV provides. We understand that an RV is not just a vehicle, but a lifestyle, and certainly one you want to protect.
