Motorhome insurance, commonly known as RV insurance, can be somewhat confusing. Since not everyone has a motorhome, the insurance requirements that pertain to them aren’t common knowledge. If you’re interested in learning more about the insurance requirements for anyone who owns an RV in Virginia Beach, VA, you should look at the website for Armor Insurance Group.
The issue is compounded by the fact that insurance requirements differ from state to state. You might wonder how much Class A Motorhome insurance you need in the state of Virginia, for example.
You might be relieved to know that Virginia does not require people to buy either car insurance or motorhome insurance. However, this does come with a caveat. If you are financing the purchase of your RV (borrowing money to buy it), it is very likely that your lender is going to require you to purchase motorhome coverage before they approve your financing. However, outside of this situation, you are free to simply pay the Uninsured Motorist fee to the DMV and then drive the RV without motorhome insurance.
If you do need motorhome insurance, how much you will need depends on a few factors. A Class A RV is going to be the most expensive to insure. Insurance companies are also going to consider your driving history and past claims, as well as how often you use your RV. In addition, you may opt to add extra coverage, as well as other drivers on your policy. You can also choose what limits to set on your motorhome insurance policy, as well as specific deductible amounts.
If you want to know more about motorhome insurance in Virginia Beach, VA, you should feel free to contact Armor Insurance Group at your earliest convenience.