
Erie Insurance offers coverage for recreational vehicles (RVs) and campers. The coverage provided depends on the type of RV or camper you own. For towable RVs and non-motorized campers, the liability coverage on the insured vehicle pulling the trailer extends to the towable RV itself. However, it is recommended to add a camper or trailer to an existing auto policy for added protection. Motorized RVs, on the other hand, typically require separate liability coverage, which can be added to your auto policy. Erie Insurance also provides coverage for other miscellaneous vehicles, including snowmobiles, off-road motorcycles, and trail bikes.
Characteristics | Values |
---|---|
Motorized RVs | Separate liability coverage required |
Towable RVs | Liability coverage of the insured vehicle pulling the trailer extends to the towable RV |
Motor homes | Can be insured on an ERIE personal lines auto policy, except in North Carolina where they must be written on a commercial auto policy |
Coverage | Physical damage while parked temporarily at a campsite; liability damage while attached to an insured vehicle; comprehensive and collision coverage; emergency roadside service; rental car expense coverage; umbrella policy |
Availability | Not available in all states |
What You'll Learn
- Erie Insurance covers physical damage to a camper while it's parked at a campsite
- Liability damage to a camper is covered when it's attached to an insured vehicle
- Motor homes can be insured on a personal lines auto policy
- Erie Insurance offers protection for campers, RVs and trailers
- You can add roadside assistance to your camper insurance
Erie Insurance covers physical damage to a camper while it's parked at a campsite
Erie Insurance offers coverage for recreational vehicles (RVs) and campers. This includes towable RVs and non-motorized campers, as well as motorized RVs and motor coaches. For towable RVs and non-motorized campers, the liability coverage on the insured vehicle pulling the trailer extends to the trailer itself. However, it is recommended to add a camper or trailer to an existing auto policy to provide liability coverage while towing and optional coverage for accidents, hail damage, vandalism, and more.
Motorized RVs and motor coaches can be insured for the same coverages as the vehicles on your auto insurance policy. This includes physical damage coverage while the camper is parked temporarily at a campsite and liability damage while it is attached to your insured vehicle. This means that if your camper is damaged while parked at a campsite, Erie Insurance can provide coverage for those damages, giving you peace of mind during your camping trip.
In addition to the convenience of having one insurance company and one bill, adding your RV or camper to your ERIE auto policy may also make you eligible for discounts. However, it is important to note that ERIE only provides coverage for temporarily located recreational camping vehicles with a valid and current motor vehicle registration at the time of loss. Motor homes can be insured on an ERIE personal lines auto policy, except in North Carolina, where they must be written on a commercial auto policy. Coverage may also not be available in all states, so it is important to check with your local Erie Insurance agent to ensure you have the right coverage for your specific needs.
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Liability damage to a camper is covered when it's attached to an insured vehicle
If you own a camper, it's important to understand the different insurance options available to you. Accidents can happen at any time, and knowing which insurance coverage is applicable in different situations can be tricky.
When it comes to liability damage to a camper, it's crucial to distinguish between towable campers and drivable RVs. Towable campers, also known as travel trailers, are pulled by a separate vehicle, while drivable RVs are self-powered and driven directly.
For towable campers, the liability coverage of the insured vehicle doing the towing extends to the camper while it is attached. This means that if the camper causes damage to other vehicles or property while being towed, the insurance of the towing vehicle will typically cover the liability. However, this coverage usually only applies to damage caused to other people's property, not to the camper itself.
On the other hand, drivable RVs require their own RV insurance policy with liability coverage. This is because they are considered motorized vehicles, and in most states, liability insurance is legally required for such vehicles. RV insurance can cover damage to the RV itself, damage caused by the RV to other vehicles or property, and even extras like towing and roadside assistance.
It's worth noting that when a towable camper is detached from the insured vehicle at a campsite, the coverage typically switches from auto insurance to nothing. This is because the camper is then considered a rental home, and any damage or injuries that occur are the sole responsibility of the owner unless they have separate RV insurance.
Additionally, campers may also be covered under homeowners insurance while they are parked or stored on the owner's property. This coverage typically includes liability and damage protection for both towable campers and drivable RVs, but it may not provide adequate protection for more expensive campers.
In conclusion, for towable campers, liability damage is covered when attached to an insured vehicle, but separate RV insurance is recommended for more comprehensive protection. For drivable RVs, a dedicated RV insurance policy with liability coverage is necessary to comply with legal requirements and ensure adequate protection.
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Motor homes can be insured on a personal lines auto policy
Erie Insurance's RV insurance can help keep your adventures covered. You can insure motorized RVs or motor coaches for the same coverages as the vehicles on your auto insurance policy. This means that when your RV or camper is on an Erie auto insurance policy, you can be covered for physical damage while it's parked temporarily at a campsite and for liability damage while it's attached to your insured vehicle.
Additionally, if you add your RV or travel trailer to your Erie auto policy, you get the convenience of using one insurance company and dealing with a single bill. You may even be eligible for discounts.
To ensure you get the coverage you need, it's recommended to consult with a local Erie Insurance agent to discuss the specifics of insuring your recreational vehicle. They can provide details about the coverage options available and help you find the right fit for your needs.
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Erie Insurance offers protection for campers, RVs and trailers
For towable RVs, campers and trailers, the liability coverage on the insured vehicle pulling the trailer extends to the towable RV itself. However, it is recommended to add a camper or trailer to an existing auto policy to provide liability coverage while towing. Optional coverage is also available to protect against accidents, hail damage, vandalism and more.
Motorized RVs require separate liability coverage. RV insurance from Erie, which can be added to an auto policy, can protect your motorized RV with the same coverages as the vehicles on your auto policy.
With both motorized and towable RVs, it is likely that you will want to purchase comprehensive and collision coverage. This may even be required by your lienholder. This can protect you when your RV is parked or in storage. Other coverages to consider include Emergency Roadside Service, Rental Car Expense Coverage and an umbrella policy, which provide added layers of protection.
Erie Insurance also provides coverage for motorcycles, snowmobiles, ATVs and other miscellaneous vehicles.
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You can add roadside assistance to your camper insurance
Erie Insurance offers coverage for recreational vehicles, including campers, RVs, and trailers. The type of coverage you can get depends on the kind of camper or RV you have. For example, if you have a towable RV or non-motorized camper, the liability coverage on the insured vehicle pulling the trailer extends to the camper itself. However, it is recommended to add your camper or trailer to your existing auto policy to give it liability coverage while towing and optional coverage for accidents, hail damage, vandalism, and more.
On the other hand, if you have a motorized RV, you will generally need to purchase separate liability coverage. Erie Insurance offers RV insurance that can be added to your auto policy, protecting your motorized RV with the same coverages as the vehicles on your auto policy.
In addition to the standard coverage options, you can also add roadside assistance to your camper insurance. This provides added peace of mind when you're out on the road. With roadside assistance, you can get services like towing, flat tire changes, lockout assistance, battery jumpstarts, and fuel delivery. Some providers even offer concierge services to help locate repair facilities, lodging, and rental car locations if your vehicle is disabled.
When considering camper insurance, it's important to review the specific coverage details, terms, conditions, and exclusions, as they may vary by provider and your individual policy. Be sure to consult with an insurance agent or advisor to determine the right coverage options for your needs.
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Frequently asked questions
Yes, Erie Insurance covers campers and RVs.
Erie Insurance offers insurance for both motorized and towable campers and RVs. For towable campers, the liability coverage on the insured vehicle pulling the trailer extends to the camper itself. For motorized RVs, you'll need to purchase separate liability coverage.
Erie Insurance's camper insurance can cover physical damage while the camper is parked temporarily at a campsite and liability damage while it's attached to your insured vehicle. You can also add optional coverage to protect your camper from accidents, hail damage, vandalism, and more.
You can add your camper or RV to your existing Erie Insurance auto policy. Contact your local Erie Insurance agent to get a free quote and find the coverage that best suits your needs.