For some folks, their RV is an occasional getaway vehicle, while for others, it’s a residence on the road for weeks at a time. No matter how you use your RV, you want to protect it with the right RV insurance. Learn more about what coverage you need below.
Does Oklahoma Require RV Liability Insurance?
Yes, if you drive a Class A, Class B, or Class C motorhome, you must carry at least the state’s minimum liability insurance, just like for your car:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $25,000 in property damage per accident
Any recreational vehicle that can move under its own power (not towed) requires this insurance to protect you and others in case you’re at fault in an accident. RV insurance is beneficial because otherwise, damages would have to come out of your own pocket.
Should You Carry More Liability Protection Than the State Minimum?
Be aware that the amounts listed above are just the minimum you must carry in RV insurance. Given how expensive medical care is and how much vehicles cost these days, we recommend having higher liability coverage so you don’t hit the cap on your insurance. We suggest carrying at least this much in liability protection:
- $100,000 of bodily injury protection per person
- $300,000 per accident
- $100,000 of property damage
What Other Kinds of RV Insurance Should You Consider?
Liability insurance covers injuries to others and damage to their property, but it doesn’t cover your RV if you’re responsible for an accident. Therefore, you should think about collision and comprehensive coverage to protect your investment in case of crashes, theft, fire, vandalism, severe weather, and the like.
Other coverage can include:
- Protection of personal property in the RV
- Pet injury in case of an accident
- Pest damage
- Emergency lodging expenses
- Roadside assistance
- Towing and labor
- Campsite liability
- Personal umbrella insurance for more liability protection
How Much Does RV Insurance Cost?
Insurance for an RV is quite reasonable, but the cost varies depending on a number of factors. That’s why we always ask about:
- Your RV’s make, model, year, purchase prices, and current value
- Who will be driving the RV and what their driving records are like
- Past history of insurance claims
- Where you intend to operate your RV (including travels to Canada or Mexico, which requires special insurance)
- If you use your RV for vacation travel or for a permanent residence
- Where you garage your RV when not out on the road
- If you typically have any valuable items with you in the RV
- If you travel with your pets
Some elements, like your deductible or bundling your RV insurance with other types of personal insurance, can also affect cost.
Is It True It’s Better to Get RV Insurance from an Independent Agent?
Yes! We have many more RV insurance options for you than big insurance companies, so we can tailor a policy just for you. And you’ll get personalized service from local folks who treat you like friends and family, hence our many outstanding reviews and referrals.
Don’t risk operating your RV without the right coverage. Call J. K. Meadors & Co at 405-377-0000 with your questions, or start your policy online anytime.