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What to Know About Insurance When Buying a Used RV

2025-05-01  |  22:55:06
RV

ADDvantage

Coverage for a used RV depends on many factors, including how it will be used, where it will be stored, and its current market value. ”
— Eric Yeates
HOUMA, LA, UNITED STATES, May 1, 2025 /EINPresswire.com/ -- The purchase of a used recreational vehicle (RV) brings with it a unique set of insurance considerations. Unlike new models, used RVs vary widely in value, condition, usage history, and customization, all of which influence the type of insurance coverage required. Prospective RV owners and current policyholders can benefit from understanding how these variables impact protection, costs, and liability exposure.

Used RV insurance coverage is not one-size-fits-all. Determining the proper policy begins with assessing the RV's class type—Class A, B, or C—as well as its intended usage, whether for occasional travel, seasonal camping, or full-time living. Each factor affects risk assessment and policy structure.

Eric Yeates, owner of ADDvantage Insurance in Houma, Louisiana, explained how policy design begins with accurate classification.

"Coverage for a used RV depends on many factors, including how it will be used, where it will be stored, and its current market value. Getting that right from the start prevents costly gaps and ensures claims are handled properly," said Yeates.

Used RVs may present challenges in valuation. Unlike cars, RVs include both automotive and residential components. The condition of plumbing, electrical systems, slide-outs, appliances, and custom features can affect insurable value. Market depreciation also varies widely depending on age, brand, and maintenance history. Insurers typically use actual cash value (ACV) as the basis for used RV coverage unless agreed value or replacement cost coverage is selected through an endorsement.

ACV coverage pays out based on the current market value of the RV at the time of a claim, accounting for depreciation. While it provides standard protection, ACV may not fully replace the cost of a similar vehicle in today's market. For RVs with significant upgrades or modifications, agreed value policies can offer a more predictable settlement amount.

Physical damage coverage includes comprehensive and collision protection. Comprehensive covers non-collision-related losses such as fire, theft, vandalism, and weather events. Collision covers damage from impact with another vehicle or object. When purchasing a used RV, it's important to inspect the condition of these systems thoroughly, as insurers may require documentation or photographs prior to issuing full coverage.

Liability protection is a core component of any RV insurance policy. This coverage addresses injury or property damage caused to others while the RV is in use. State requirements vary, but most policies recommend higher liability limits than minimum legal standards, especially for RVs with high occupancy capacity or those used in high-traffic areas.

Personal injury protection (PIP) or medical payments coverage may also be included, depending on the insurer and jurisdiction. These cover medical expenses for passengers in the insured vehicle regardless of fault.

For those living in the RV full-time, full-timer's liability coverage functions similarly to homeowners insurance and offers added protections such as personal liability and medical payments for guests injured in or around the RV. Without this coverage, full-time RV users may face gaps if an incident occurs while parked long-term.

Storage options also affect insurance needs. RVs stored in secure facilities or private property may qualify for reduced rates or limited coverage policies during off-seasons. Conversely, RVs stored in flood-prone or storm-heavy regions may require additional endorsements or exclusions.

Roadside assistance is an optional but valuable addition, particularly for older RVs that may be prone to mechanical issues. Towing an RV requires specialized equipment and can be significantly more expensive than standard vehicle towing. Roadside assistance plans tailored for RVs often include towing, flat tire changes, battery boosts, and emergency fuel delivery.

Gap coverage may be worth considering in cases where financing is involved. This coverage bridges the difference between the RV’s actual cash value and the remaining loan balance in the event of a total loss. While often associated with new vehicles, some lenders may still require or recommend gap insurance on financed used RVs.

Before purchasing a used RV, buyers are encouraged to review insurance history if available. Records of prior claims, flood exposure, or structural damage can influence insurability and premiums. A pre-purchase inspection conducted by a licensed RV technician can identify issues that may affect coverage eligibility.

RV insurance policies may also extend to personal belongings stored inside the vehicle, depending on the limits and conditions of the policy. Items such as electronics, outdoor gear, and tools may need to be scheduled separately if their value exceeds standard limits.

Policyholders with homeowners or auto insurance through the same provider may benefit from bundling discounts or multi-policy advantages. However, RV insurance remains a separate specialty product and should be evaluated on its own merits to ensure adequate protection for the unique risks of recreational vehicle ownership.

ADDvantage Insurance in Houma continues to support RV owners across Louisiana by offering guidance tailored to each stage of ownership, including pre-purchase planning, seasonal adjustments, and claims assistance. Understanding insurance options for used RVs helps reduce surprises and ensures smoother transitions from road trip dreams to responsible ownership.

Morgan Thomas
Rhino Digital, LLC
+1 504-875-5036
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Person suffers with CTE symptoms following years of repeated concussions from crashes, vibrations and g-force while bobsleddingView Out the Window of the Lake Front Property for William Person CTE Recovery CenterInside the Lake front property to become home of the William Person CTE Recovery CenterFormer Team USA Bobsled Member William Person launches GoFundMe to raise funds for a CTE Recovery Center after Industry Fails to Compensate for Brain Injuries.Hyperbaric Oxygen Therapy is a lifeline for people like us with CTE, and I’m determined to make it accessible to every athlete and military veteran who needs it.”— William Person, former athlete, CTE advocateWOODLAND HILLS,, CA, UNITED STATES, July 28, 2025 /EINPresswire.com/ -- Former 9-year Team USA bobsledder William Person, lead plaintiff in the high-profile class action lawsuit spotlighted by The New York Times, Sports Litigation Alert, and Courthouse News Service, is taking matters into his own hands after rejecting a proposed settlement that offered “evaluation, but no treatment or compensation” for Team USA Olympic Bobsled athletes suffering from Chronic Traumatic Encephalopathy (CTE). 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Interested parties are invited to donate to the campaign at https://gofund.me/93ff9c6e. “I stood alone in court last month against all parties—including my own lawyers—because I refuse to sign off on an offer that does nothing to treat the brain injuries of the athletes—a condition we have solely based on the nature of our sport, and that doesn’t do enough to properly warn new athletes of the repercussions of the repeated concussions,” said Person. “Junior Seau changed the NFL forever when he took his life and preserved his brain for research. My teammates Pavle Jovanovic and Steve Holcomb also took their own lives because of the pain and misery of CTE, and many others around the world have joined them. This is a serious issue! It’s time we protect the brains of our winter athletes with the same urgency we do in football.” THE SILENT CRISIS: CTE BEYOND FOOTBALL Person’s mission underscores what appears as an overlooked epidemic in sports: while the NFL has taken major steps to address concussions and long-term cognitive decline, winter sports have largely escaped the same scrutiny—even though Olympic bobsledders endure G-forces 10 times greater than fighter pilots, combined with violent ice vibrations likened to “shaken baby syndrome.” • In 2020, Person’s close friend and teammate Pavle Jovanovic died by suicide and was diagnosed Stage 4 CTE. “I remember Pavle calling me speaking gibberish. He hung up, frustrated, because I couldn’t understand his words. Soon after, he hung himself. It haunts me to this day,” said Person. • Studies continue to reveal athletes in sports from hockey to soccer to Olympic bobsledding show markers of CTE, a neurodegenerative disease associated with aggression, depression, memory loss, and tragically, suicide. A PERSONAL PATH TO HEALING — AND GIVING BACK Inspired by Joe Namath’s public journey using HBOT to regain mental clarity, Person sought the same treatments. “Before Hyperbaric Oxygen Therapy, I was on my hands and knees crawling in my own house, convinced I was dying. Today, I still struggle, but my quality of life has dramatically improved,” Person said. “Some athletes have fully reversed their symptoms by using HBOT. 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We’re human beings suffering because of our sports,” he said. This mission is especially poignant following The New York Times’ and Courthouse News Service’s original reporting on Person’s lawsuit, and the tragic coverage of his teammates Jovanovic and Holcomb, along with the many others suffering with CTE and committing suicide because of it. HOW YOU CAN HELP • Donate or share Person’s fundraiser: https://gofund.me/93ff9c6e • Contact for interviews or to cover this story: Jennifer@engagementpr.com; 949-933-4300. Person is calling on sports leagues, medical researchers, fellow athletes, parents, and the public to rally behind this cause—because as he puts it: “We can’t wait for another funeral to decide brain injuries matter. Together, we can save lives.” Support in Court Person goes back to court Wednesday, July 30 at 10 am, United States Courthouse Central District of California, 312 N. Spring Street, Los Angeles, CA 90012, Department 6. Parties interested in supporting Person in court are welcome to sit in. Please wear blue, like a blue t shirt, and write in bold: “Bobsled = CTE” and/or “HBOT Saves Brains.”
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