Even if your RV spends most of the year parked at your home, it’s essential to ensure it has its own insurance policy. Nevada law treats motorized RVs the same as all other vehicles on the road. Even if you only use it occasionally, it must be insured before you drive it on a road.
Motorized RVs and Nevada Law
A motorized RV is defined as one that has an engine, such as a Class A, B, or C RV. Nevada law requires RV owners to have liability insurance, and the state has specific minimum limits:
- $25,000 per person for bodily injury
- $50,000 per accident
- $20,000 for property damage
These requirements apply whether you drive your RV every weekend or just once a year.
It’s important to note that the Nevada DMV uses its LIVE verification system to monitor whether or not you have coverage. If there’s a lapse in coverage, it can result in reinstatement fees and even registration suspension.
Insurance for Towable RVs
What if your RV is a travel trailer or fifth wheel? Nevada law doesn’t require towable RVs to have a separate insurance policy. As long as the vehicle towing the RV is insured, you likely have some coverage. However, it’s crucial to check your policy to confirm.
Keep in mind that a standard auto policy may not cover damage to the trailer itself. If you’re still making payments on your towable RV, the lienholder will likely require collision and physical damage coverage.
Why Occasional Use Is Just as Risky as Full-Time Usage
Even if your RV is sitting in storage, it’s not completely safe. Risks such as theft, weather damage, or fire can still occur. Without the right insurance policy, you’ll have to cover these expenses out of pocket.
One Call Can Help You Be Sure You’re Covered
If you have questions about RV insurance or need help reviewing your current policy, contact Red Rock Insurance in Las Vegas, NV. A policy with Red Rock Insurance can ensure your RV is covered, whether you use it once in July or every weekend.
