State Farm RV Insurance: Coverage and Discounts (2022)

If you can drive an RV, you should have campervan insurance that meets at least the state’s minimum auto insurance requirements. In most cases, towable campers do not require insurance.

However, even if the law does not require RV insurance, it is almost always recommended. Even the cheapest campervan can cost thousands of dollars and accommodate expensive personal items. Insurance helps protect what you invest in your RV.

Causes of RV damage

Using, transporting and storing a camper comes with many risks. His RV insurance with full coverage can cover most of them. The most common causes of RV damage and loss are:

• traffic accident: damage from road crashes
• flood damage: Leaks from roofs, windows and fixtures can cause water damage inside your camper
• weather: Severe weather such as tornadoes, hurricanes, and floods pose a threat to your RV, even while it’s in storage.
• tree fall: Fallen trees and tree branches pose a serious risk to RV owners, especially if they spend a lot of time in wooded areas.
• theft: RV thefts aren’t as common as car thefts, but they do happen.

traffic accident statistics

When you drive or tow an RV, you are sharing the road with other drivers. No matter how skilled a driver you are, other drivers can be unpredictable or make mistakes at any time and cause accidents.

data from National Highway Traffic Safety Bureau (NHTSA) indicates that the number of motor vehicle accidents has increased significantly in recent years. In the US he had 6.76 million car accidents in 2019, up nearly 25% from 2010. This increase represents an increased risk for everyone on the road in terms of getting into a road accident.

while up-to-date NHTSA data for 2020 indicate an overall decrease in accidents, and these figures are consistent with the dramatic decline in vehicle traffic that year. This is a statistical outlier and was excluded from the analysis.

Given that campers, whether towable or motorized, add an element of difficulty to navigating traffic, the risk of accidents is something every RV owner should be aware of. Even so, you are at risk of an accident, which can result in high costs for bodily harm and property damage to your RV.

RV Fire Statistics

Fires are one of the most common causes of loss for RV owners, as many RVs are equipped with stoves and appliances. According to data from Federal Emergency Management Agency (FEMA), U.S. fire departments reported an average of 4,200 RV fires each year between 2018 and 2020, resulting in an average of 125 injuries and 15 deaths each year. . Over the same period, RV fires accounted for an average annual total of $60.3 million and $15,350 per event in property damage costs.

Fire damage to your RV is covered under State Farm’s comprehensive policy. However, if a fire in your RV causes property damage or injury to others, our standard liability policy will not cover those claims.

Some insurance companies offer vacation liability insurance that provides coverage in such situations. If you use your RV as your primary residence, you can purchase full-time liability insurance to cover these cases. State Farm does not specifically list these types of coverage, but it may offer them.