RV Insurance New Hampshire

Independent insurance agency

RV Insurance in New Hampshire

Discover hassle-free access to affordable, high-quality RV Insurance with Cunningham Associates Insurance!

Get a RV insurance quote from our New Hampshire experts

What is RV Insurance?

RV insurance is a specialized policy designed to safeguard your recreational vehicle. It combines elements of auto insurance and homeowners insurance, offering comprehensive coverage for your RV on the road and when parked for extended periods. Unlike a standard auto insurance policy, RV insurance recognizes the unique features and uses of your RV, including living quarters, appliances, and specialized equipment.

RV Insurance New Hampshire

Do RV Owners Need RV Insurance in New Hampshire?

While New Hampshire is a state with no mandatory car insurance laws, RV insurance is highly recommended. Here’s why:

  • Financial Protection: RVs represent a significant investment. Repairing damage caused by an accident or unforeseen event can be a hefty financial burden. Collision and comprehensive coverage within your RV insurance policy may help alleviate these costs, ensuring your financial security.
  • Liability Coverage: Imagine being responsible for an accident while driving your RV. Liability coverage may be a lifesaver, potentially covering medical expenses and property damage sustained by others involved in the accident. This peace of mind allows you to focus on the road and enjoy your journey, knowing you’re protected.
  • Comprehensive Coverage: New Hampshire’s unpredictable weather can pose a threat to your RV. From harsh winter storms to hailstorms, comprehensive coverage within your RV policy may protect your vehicle from damage caused by these elements, offering peace of mind.
  • Peace of Mind: Having the right RV insurance allows you to relax and truly enjoy your adventures. Unexpected breakdowns, accidents, or theft can disrupt your plans. RV insurance may be a valuable safety net, ensuring you have the financial resources to recover from unforeseen situations.

Get a Quote

Provide us with your details, and we’ll create a personalized quote designed specifically for your needs.

RV Insurance New Hampshire

RV insurance policies can be customized to fit your specific needs and the type of RV you own. Here’s a breakdown of some common coverage options, but it’s important to remember that specific details will vary depending on the provider:

  • Liability Coverage: This may cover bodily injury and property damage to others that you are legally responsible for causing while operating your RV.
  • Collision Coverage: This may cover damage to your RV if it collides with another vehicle or object.
  • Comprehensive Coverage: This may cover damage to your RV caused by events other than collisions, such as theft, fire, vandalism, or weather events.
  • Medical Payments Coverage: This may help pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
  • Uninsured/Underinsured Motorist Coverage: This may provide coverage if you are injured in an accident caused by a driver with no insurance or inadequate insurance. Unfortunately, not all drivers on the road are properly insured, and this coverage may offer valuable protection.
  • Total Loss Coverage: This may cover the replacement value of your RV if it is declared a total loss due to covered damage. In the unfortunate event that your RV is deemed unrepairable, total loss coverage may help you get back on the road with a new RV.
  • Personal Property Coverage: This may cover your belongings inside the RV in case of theft or damage. Your RV likely contains valuable personal items, and this coverage can provide peace of mind knowing they are protected.
  • Roadside Assistance: This may provide services like towing, jumpstarts, and flat tire changes if your RV breaks down on the road. A roadside breakdown can be stressful, and this coverage may ensure you get the help you need quickly and efficiently.
  • Vacation Liability Coverage: This may extend your liability coverage to accidents that occur while you are parked and using your RV for recreational purposes. Enjoy your time at the campground with the knowledge that you have the right coverage in place.

Beyond the standard coverages listed above, there are additional options you may want to consider customizing your RV insurance policy:

  • Full-Timer’s Coverage: If you plan to live full-time in your RV, you may need specialized coverage that addresses the unique risks associated with full-time RV living.
  • Towing and Labor Coverage: This may cover the cost of towing your RV to a repair shop in the event of a breakdown.
  • Trip Interruption Coverage:  Imagine having to cut short your RV vacation due to an unexpected event like a breakdown or severe weather. Trip interruption coverage may reimburse you for non-refundable trip expenses, minimizing the financial impact of such a situation.
  • Replacement Cost Coverage: Standard coverage might only reimburse you for the actual cash value of your RV at the time of a loss. Replacement cost coverage, however, may provide funds sufficient to replace your RV with a new one of comparable value, ensuring you’re not left at a disadvantage.
  • Van Conversion Coverage:If your RV is a converted van, standard RV insurance might not provide adequate coverage for its modified state.  Consider obtaining specialized coverage to ensure your van is properly insured for its unique features.
  • Seasonal Storage Coverage: If you store your RV for extended periods during the off-season, you may be able to reduce your premium by obtaining separate storage coverage. This may be a cost-effective way to insure your RV while it’s not in use.
  • typically cost more to insure than travel trailers.
  • The Value of Your RV: The higher the value of your RV, the higher the premium will likely be.
  • Your Driving Record: A clean driving record with no accidents or violations can lead to significant discounts on your RV insurance premium.
  • Your Coverage Selections: The more comprehensive your coverage and the higher your chosen limits, the higher the cost will be. However, this also provides a greater level of protection.
  • Your RV Usage: How often and how far you plan to travel with your RV can impact the premium. More frequent use may lead to a slightly higher cost.
  • Discounts: Many insurers offer discounts for things like being a member of an RV club, taking defensive driving courses, storing your RV safely, insuring multiple vehicles with the same company, or being a mature driver.
Cunningham Associates Insurance

How Can RV Owners in New Hampshire Obtain RV Insurance?

Whether you are a seasoned RV enthusiast or just starting out, having the right RV insurance policy is essential. Contact the friendly Agents at Cunningham Associates Insurance today for a fast, free RV insurance quote. Let our experienced agents answer your questions and guide you towards the perfect RV insurance policy for your needs. 

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!