Category: RV Insurance

RVs come in many different sizes and types, some with motors and some without. As a result, it may be difficult to determine if there are insurance requirements for RVs and if so, what the requirements are. Our Maschoff Insurance team understands that understanding insurance requirements is confusing. As a result, our Ankeny, IA team is committed to eliminating the confusion. 

What is RV Insurance?

RV insurance is similar to auto insurance in that it includes liability, collision, and comprehensive coverage for motorized RVs. Motorized RVs must be covered by auto liability insurance. However, if you’re financing your RV, you’ll be required to carry full overage insurance until your RV is paid for in full. RVs are motorized homes on wheels. This is why, like cars, auto liability coverage is required to legally drive an RV on the streets and highways of Iowa. Motorized RVs are vehicles as well as cars.

My RV isn’t motorized. Do I need insurance?

No. You don’t have to carry RV insurance in the state of Iowa if your RV isn’t motorized. Insurance is optional for non-motorized RVs unless you are financing your RV. In that case, your lender may require you to carry full coverage insurance. Motorized RVs fall under the same laws as cars because they are motorized homes on wheels and use the same streets and highways that cars do. Instead, a non-motorized RV is covered by auto insurance that covers the car or cars used to pull or tow the RV.

If you have questions regarding insurance requirements for RVs, call us at Maschoff Insurance. We’d be happy to help you explore your options in Ankeny, IA and surrounding areas. 

RV travel can be a fun and convenient way to explore the great outdoors, especially when it comes to visiting a national park. Here are some tips from us at Maschoff Insurance for taking your RV on an adventure from the Ankeny, IA area to a national park.

Tips for taking your RV to a national park

1. Make sure that you check the park’s regulations before heading out. Different parks may have different restrictions on RV sizes and types, so be sure that your vehicle meets all the necessary criteria.

2. Plan ahead for supplies like food, water, and fuel. National parks often have limited amenities so make sure you bring enough of what you need with you in order to stay comfortable throughout your trip. 

3. Be aware of any weather conditions that might influence your plans. Depending on where you’re headed, you could come across unexpected snow or heavy rain that can make traveling difficult or even dangerous if not prepared properly. 

4. Research campsites at the park ahead of time in order to find one that works best for your needs. This will help ensure that everything is set up when you arrive without any unexpected surprises! 

5. Pack light but don’t forget important items like sunscreen, bug spray, and extra blankets! You never know what kind of weather or animals you may encounter while out exploring in nature! 

Get Coverage For Your RV

These are just a few tips for taking your RV out to a national park! With careful planning and preparation, everyone should be able to enjoy their next experience in nature safely and comfortably! For more tips on how to enjoy your RV, give us at Maschoff Insurance a call today. We proudly serve the Ankeny, IA area.

Are you aware that there are different levels of RV (recreational vehicle) insurance? It might not be clear which coverage you should get for your specific situation. It can be beneficial to talk over your options with an agent from Maschoff Insurance of the Ankeny, IA area. 

RV Insurance Requirements in Iowa

In the state of Iowa, you actually aren’t required to have RV insurance for RVs if you aren’t driving them. If you have a trailer that is attached to another vehicle or an ATV that you’re transporting on the back of a truck, you won’t need to insure it. If you have any doubt about whether your RV applies, ask your agent. 

Liability Coverage

Liability is the basic type of coverage you can get and is what’s typically required by law. The way this is used is that it helps pay other people’s property damage and medical bills if you’re deemed to be at fault for an accident. It doesn’t cover damages to your own vehicle. 

Collision Coverage

A collision policy is what you would get in order to have coverage for your own vehicle’s damages. It covers either repairs or replacement after the amount of your deductible has been met. 

Comprehensive Coverage

Not all accidents happen when you’re on the road. Other incidents that cause damage such as fire and inclement weather are covered under a comprehensive policy. It covers most things that can happen to your RV. 

Underinsured and Uninsured Motorist 

If your RV is hit by a driver who doesn’t have insurance at the time, you might need to pay for your repairs entirely. If a motorist who’s at fault is underinsured, the policy might not cover damages to your RV. When you have an uninsured and underinsured motorist policy, you won’t have as much of a burden. 

Valuables Coverage 

A valuables policy protects the items that are in your RV. If you plan to transport valuables or know that you’ll occasionally have such items in your car, this coverage is ideal. 

When you are about to sign up for RV insurance in the Ankeny, IA area, look no further than Maschoff Insurance. Our agents go above and beyond to assist new and regular customers. Contact us today with your questions and to set up your insurance.