Does AAA insure RVs?

In today’s blog post, we will discuss: Does AAA insure RVs? We will review the AAA insurance membership, discuss what it covers and whether RV insurance should be mandatory. 

Does AAA insure RVs?

Yes, AAA insures RVs, but only as an extension to your existing AAA Plus or Premier membership. With this offer you also get:

  1. Extended towing service – Except for toll fees, your RV can be towed for FREE up to 100 miles. 
  2. Tire-change service – As long as you have a spare wheel, AAA covers the maintenance work if you get a flat tire. 
  3. Extra stuck-wheel service – If you find yourself in a rather “muddy” situation, AAA covers the extra truck that is needed to tow your camper, for FREE for 1 hour if you have a Plus membership and for 2 hours for a Premier membership. 
  4. Free gas – AAA will refuel your tank for FREE, but only enough to get you to the nearest open service station. Not available for diesel RVs, though. 
  5. Jumpstarts & battery service – If your RV has run out of energy or you cannot start it, AAA will diagnose the issue at no additional costs.  
  6. Trip interruption expense reimbursement: If your trip is covered and for any reason, your RV is no longer able to get you to/from the destination, AAA will cover certain costs such as lodging, meals or car rental fees. 

How much does the AAA insurance for RV cost?

The AAA RV membership costs between $73 to $159 per year and per person, depending on what options you decided to add. Each additional driver is an additional $45/year.

Keep in mind that you need to have a basic AAA Roadside assistance membership in order to be able to cover your RV as well. That’s how the final price is obtained: 

Basic membership costs ($38-$74) + Additional coverage for your RV ($35-$85)

Should you insure your RV with AAA?

Recreational vehicles, such as caravans, trailers, ATVs, snowmobiles, boats, etc. are expensive investments. Because of this, you want them to be well insured against physical damage caused by theft, fire, weather, collision or vandalism. Coverage in the event of an accident involving you or a third party should also be included. 

That’s why you need recreational vehicle insurance that protects you in unforeseen circumstances. Whether it is AAA or another company – that should be a personal choice. To find out how RV insurance can benefit you, here we explain why this insurance policy is important and why you should never go without it.

  • You cannot predict an accident: Even if you are a good driver and drive safely, accidents can happen. Without recreational vehicle insurance, if you or your passenger is injured in an accident, medical expenses cannot be covered. This insurance is designed to help cover all medical costs in relation to your accident so you won’t have to worry about facing excessive fees.
  • Damage is costly: If you don’t have RV insurance, you could face some nasty surprises if there is any damage to your vehicle. Your auto and home insurance do not cover all types of recreational vehicles, your damage and repairs to the latter will not be covered.

And, if you’re travelling with a cross-border RV, for example, your usual backup expenses won’t be covered either. That’s why you need Comprehensive Recreational Vehicle Insurance to protect you against any damage caused by an accident or property damage.

  • Liability lawsuits can be catastrophic: Another reason why this insurance is important is that it can provide the proper protection against any liability lawsuits, or fees in the event that your vehicle damages other vehicles, property or people.
  • Not all insurance contracts are the same: As mentioned above, your home and auto insurance policy does not always cover recreational vehicles. It’s annoying if you need extra blankets to provide full protection for your needs. Your home or auto insurance policy may lack coverage for other items such as emergency services and wreckage removal if these are required.

By giving full coverage to your RVs, you never have to worry about what will happen if you are involved in an accident or if you are stolen, you know you will be protected. AAA offers complete coverage for your RV, motorcycle, boat, ATV, snowmobile, trailer, caravan, etc.

Do I have to insure my recreational vehicle?

Whether or not to insure a recreational vehicle depends on the type of vehicle and how you plan to use it.

Insuring your recreational vehicle allows you to benefit from protection for the vehicle, for yourself, for your trips and for others. You will want to contact your broker or broker to determine how the following insurance policies apply to your situation and your recreational vehicles *:

  • Liability insurance protects you if you are sued for unintentional bodily injury or property damage to others as a result of your use of the recreational vehicle.
  • Collision insurance can cover the vehicle in the event of an accident.
  • Multi-risk coverage pays for losses other than those covered by Collision or Upset coverage, including fire, theft, vandalism, falling or flying objects, etc.

* Motorhome and trailer insurance with a company providing speciality leisure and lifestyle insurance may provide additional coverage – contact your broker or dealer.

How can I insure my RV?

Not all insurers offer recreational vehicle insurance or cover them in the same way. It is best to contact your insurance broker or broker to discuss how owning a recreational vehicle could affect your insurance. You will also be able to determine if RVs can be the subject of a separate policy or if they can be added to your existing policy.

Can my current home insurance policy cover my RV?

It depends on your policy and your insurer. In many cases, it is possible to ensure your second or seasonal residence is under your home insurance. Otherwise, you could purchase a separate policy to insure your seasonal property. Talk to your insurance broker or broker to determine the option that best suits your situation.

There are many factors to consider when it comes to ensuring a seasonal property. Here are some of the more common things:

  • Waterfront location
  • Inflated rebuilding cost
  • Use of a fireplace or woodstove
  • Rental of the property to third parties
  • Outbuildings (boathouse, shed, separate cabin, etc.)

More on RV insurance

Before you can fully enjoy your summer days spent on the road or in the great outdoors, you must choose the insurance coverage for your trailer or motorhome. 

  1. Mandatory basic protection: liability insurance

Any owner of a vehicle or motor home is required by the Automobile Insurance Act to have the civil liability protection of at least $50,000. Liability protection covers you in the following situations:

  • if your vehicle suffers damage following a collision with another vehicle for which you are not responsible if the third party is identified and if the collision occurs in the US;
  • if you are held responsible for property damage or bodily injury to another person in an accident in Canada or the United States.
  1. Optional protection for damage to the vehicle

You can choose to add one or two of the four optional protections offered to cover any damage your vehicle may suffer:

  • “All risks” protection: it covers damage caused by any type of risk, except exclusions.
  • “Risk of collision and upset protection: this covers damage resulting from collisions for which you are responsible or for which you are the victim of a hit and run.
  • “All risks except collision or upset” protection: it covers in particular damage caused by fire, theft, vandalism and glass breakage.
  • “Specific risks” protection: this can be chosen to replace the “All risks except collision or upset” protection. This is a cheaper option, but also more restricted. It covers damage resulting from fire and theft but excludes vandalism and glass breakage.
  1. The protection of your movable property: included in certain specialized insurances

Certain specialized insurance products include all-risk coverage free of charge in the event of theft or damage to movable property located inside the vehicle or on its site. 

This is an attractive advantage since this protection will prevent you from having to make a home insurance claim in the event of a loss affecting these goods.

  1. Additional protection available

Depending on your needs, other additional protections can be added to your coverage. They may even be included for free with your basic coverage!

  • “Travel expenses” protection: if you are deprived of your vehicle for several days following a covered accident, it covers certain additional costs incurred to continue your trip or return home. For example, it could cover certain additional costs incurred for accommodation or meals.
  • “Insurance for roadside assistance costs”: this covers the costs of roadside assistance, for example, in the event of a fuel failure or a puncture.
  • “Modification to compensation” or “Compensation without depreciation” protections: similar to replacement cost protection, it protects the sums invested in the purchase of your trailer or motorhome.
  • Repatriation guarantee for trailers: if the vehicle towing your trailer is stolen or suffers a total loss accident, this additional guarantee will cover the costs incurred to bring your trailer back to your home.

FAQ on Does AAA insure RVs?

What does RV insurance cover?

As the insured, RV insurance protects you in the event of:

  • damage to your RV in a collision if you were not responsible for the accident when the third party is identified;
  • property damage and bodily injury to others for which you are responsible when the accident occurs in Canada or the United States.

How much does RV insurance cost?

RV insurance can range from 300 dollars a year for the simplest coverage, up to more than 800 dollars a year, for an all risk of a high-end vehicle.

What RVs need to be insured?

AlthoughRVs with a MAM equal to or less than 1,300 lbs do not need an individual policy and have enough car insurance, those that exceed this weight must take out independent insurance.

Does RV insurance cover roof leaks?

RV insurance would cover roof leaks, but it will depend on the reason behind the roof damage and the RV insurance policy. If you have chosen the “all risks” cover, yes, you are covered. This does not matter how the rock lands on your caravan, trailer or motorhome, subject to certain exclusions.

References

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