State Farm Rv Insurance Coverage – Insurance is not the most exciting topic of van life, but it is very important. Years ago, when I got my first camper van, I did a lot of research on this topic. After spending every penny of my savings on a Sprinter van conversion, I knew I needed to protect my investment, and not just the van, but the conversion inside as well. I decided to go with Progressive RV insurance and have had it for over 5 years now, including three on my Sprinter Vans. In this blog post, I share everything I’ve learned about auto insurance, as well as my experience. with Progressive RV insurance.
Note: Campervan insurance requirements vary from state to state and we’ve heard more and more people are having trouble insuring their campervan with Progressive. I can only speak from my own experience with Sprinter Van insurance in Utah and hope the information below is helpful no matter which company you insure with.
State Farm Rv Insurance Coverage
RV insurance can apply to many different types of vehicles beyond what you might consider an RV, including:
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In order for a vehicle to qualify as an RV, it generally needs to have at least one bedroom, kitchen, and bathroom. In some cases, it can be something as simple as a mattress and camping stove, although RV definitions and insurance requirements differ from insurance company to state and vary from state to state. It’s also important to note that Progressive does not require your camper van to be registered as an RV at the DMV in order to get an RV insurance policy with them.
Depending on the type of vehicle you have and how you use it, some insurance companies require you to get RV insurance instead of car insurance. For example, Progressive will not offer standard auto insurance as an option if you use your vehicle as a camper. It is important that you share these details about how you use your car and its contents to ensure that you have the right coverage. Requirements vary from company to company, however, do your research before deciding which one is right for you.
Progressive does not guarantee DIY camper van conversions at this time. They guarantee professional conversions, but coverage options vary by state. Click here to start a quote and see the list of van conversion companies they will list. If you don’t see your car manufacturer listed, you can also select “Other”. Regardless, be honest and direct with your insurance company about your car’s manufacturer to make sure you are not left without coverage if something happens to your car.
There are insurance companies out there that insure DIY camper van conversions, however. We also recommend searching the Sprinter Source Forum and other Sprinter and camper van related Facebook groups for DIY conversion insurance tips.
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When I first got my car, someone told me if I wanted to save money on insurance, I should just get a regular policy. But after researching it myself, I learned that standard auto policies often don’t cover the contents of your car changes. So if I’m in an accident or hit an animal while driving and it’s totaled with my car, the money I spent on the transmission conversion will go down the drain. I’ll ditch my car for tools and parts, and say goodbye to the van life and my long-distance job.
Depending on your coverage, RV insurance can not only cover the value of the vehicle in case of damage or accidents, but can also provide protection for your conversion and your personal belongings inside. If you’ve spent a lot of money on a professional conversion, having good RV coverage is important. If you’re traveling with camera equipment, laptops, or other valuables, you may also need to add insurance for your personal belongings.
A professional camper van conversion is a huge investment, so the best option for me is to get RV insurance. I have had Progressive RV insurance for the last 5 years, and have total loss replacement coverage for the value of my fully converted vehicle. This meant that if I totaled my car, I could take my paycheck and get a converted van.
If you use your camper van as your permanent and primary residence, you’ll want to consider full-time RV insurance. This is usually defined as when you live in your RV for more than 6 months of the year and do not own or live in another home. If you live or travel in your vehicle less than 6 months of the year, part-time RV insurance coverage should be sufficient. I usually travel in my car about 6 months out of the year and have a house in Salt Lake City that I live in year round, so I have part time RV insurance.
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For more information on this topic, see our blog post on choosing an RV insurance policy for van life.
Here’s a rundown of the different coverages Progressive offers for professionally converted vans and RVs. The coverage below is standard and is the most commonly selected, although all are optional except for liability insurance which is generally required for all motor vehicles.
Comprehensive covers your car or RV for events beyond your control such as theft, vandalism, fire, glass breakage, weather-related incidents, and animal collisions.
Collision coverage covers your car or RV if it is damaged in an accident with an object or another vehicle, regardless of who is at fault.
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The nice thing is that bodily injury protection while traveling in Mexico is also included, if you purchase a business policy in Mexico for your trip. If you plan to travel to Baja California or other parts of Mexico with your car, this is highly recommended.
Progressive also provides free pet coverage if you purchase Comprehensive and Collision coverage that pays up to $1,000 in vet bills if your pet is injured in an accident.
Liability coverage is required by law for most vehicles and pays for any damages and/or injuries you cause. So, if you are at fault for an accident, for example, liability insurance may pay for the other driver’s car repairs and medical bills up to your policy limits. However, it does not cover damage to your vehicle which is why comprehensive and collision coverage is so important.
UM/UIM coverage protects you if you are hit by an uninsured or underinsured driver. It can pay for your injuries, damage to your car or RV, and even lost wages if you can’t work as a result.
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This covers medical expenses for you and your passengers if you are in an accident in your car or RV, regardless of who is at fault.
The optional coverages below may be selected in addition to the standard coverages outlined above. I have all the above coverage plus roadside assistance, emergency expenses, total loss replacement, and personal load replacement – all of which I highly recommend, especially if You have spent a lot of money on your house and if it goes with all the valuables.
This covers towing your car or RV to the nearest repair facility if you experience a problem, the most common being a gas leak, low gas, flat tire, dead battery, or lockout in your vehicle.
Last winter, when we were camping in Sun Valley, my car battery died. It was 2 degrees outside and I had no cell phone signal, but luckily I was able to text my dad using the Garmin inReach GPS satellite transmitter and he was able to help me contact roadside assistance. he. They came out within an hour and jumped my car – whew!
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If you travel and your RV or RV is disabled in a covered event more than 50 miles from home, this covers transportation and hotel costs. Say your car breaks down and needs a few days at the mechanic shop, this will cover lodging and transportation costs so you can get around while your car is being repaired. You can choose the amount of coverage you want – between $750 – $2,000 if your RV is considered recreational and up to $7,500 if your RV is your primary residence.
This is one of the main differences between RV coverage vs regular car insurance, although it is not available in all states.
If you bought a new tow truck or RV, total loss replacement will cover the cost you originally paid.
For example, if you purchased your professionally converted vehicle for $80,000, have a total loss replacement, and your vehicle is totaled, Progressive will reimburse you for the original purchase price (in this example, $80,000 ) or replace it with a new one of the same model year or later, of the same level or better, even if the price is more expensive than the original
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