While most people know they need auto insurance for cars and trucks, campers fall into a unique category. There are several key factors to consider when determining the type of insurance you need for your camper before hitting the road.

Understanding Legal Requirements

Motorhomes are typically required to have a minimum level of liability insurance because they are driven on public roads. In West Virginia, state law mandates that all registered vehicles carry liability insurance. Motorhome owners can also opt for additional coverage, such as comprehensive or collision insurance, similar to what is available for cars.

On the other hand, pull-behind campers and travel trailers in Parkersburg, WV, generally do not require a separate insurance policy. These are often covered under a standard auto insurance policy. For instance, if you’re towing a camper with your truck, the truck’s insurance should extend to cover the camper or trailer.

Why Consider RV Insurance?

While an auto insurance policy through Curtis Miller Insurance may meet legal requirements, many people who live in motorhomes or use them for extended travel prefer RV insurance policies. RV insurance is specifically designed to address the unique needs of RV owners. These policies often include personal property protection, which covers belongings stored in the motorhome. Additionally, some policies provide coverage for the camper while it is parked during the off-season.

Choosing the Right Coverage

Both auto and RV insurance are viable options for campers, depending on your specific needs. Experienced agents at Curtis Miller Insurance can help you evaluate your situation and determine which policy is best for you. We’ll also explain the benefits of each type of coverage to ensure you’re fully protected.

Contact us today to learn more and secure the necessary coverage before you hit the road. We proudly serve the Parkersburg, WV, area.