Whether you’re buying your first RV, upgrading to a new boat, or transferring ownership of a powersport vehicle, understanding how to handle an RV title or boat title is essential. The title isn’t just a piece of paper—it’s the legal proof of ownership you’ll need to register, insure, and eventually sell your adventure vehicle.
At Happy Camper, we’re here to make your journey smooth from the start. Here’s everything you need to know about handling an RV title or boat title transfer—and how to protect your new ride with the right insurance coverage.
What Is an RV Title or Boat Title?
An RV title or boat title is a state-issued legal document that proves you own the vehicle or vessel. It lists important information like the make, model, year, hull identification number (for boats), or vehicle identification number (VIN) for RVs.
You’ll need your title to:
- Register your RV or boat.
- Sell or transfer ownership.
- Prove ownership if lost or stolen.
- Insure your vehicle properly.
How RV Title Transfers Work
Title transfers are relatively straightforward but must be done correctly to avoid costly mistakes:
- Seller Signs the Title: The current owner signs the title to release ownership. If there are joint owners, all parties may need to sign.
- Buyer Submits the Title: The buyer brings the signed title and required documents (like a bill of sale) to the DMV (for RVs) or the relevant state agency (for boats).
- New Title Issued: After processing, a new RV or boat title is mailed to the new owner or the lienholder if the vehicle is financed. Some states now offer electronic titles.
Depending on the state, you might need additional steps like VIN inspections (for RVs) or hull ID verification (for boats).
Title Transfer Costs
The cost to transfer an RV title or boat title varies by state but generally ranges between $15 and $200. Some factors that impact fees include the type of vehicle, its age, and your state’s specific requirements.
Special Cases: Buying From a Dealer vs. a Private Seller
- Dealership Purchase: Most dealers handle the title transfer paperwork for you—but they may charge processing fees.
- Private Seller Purchase: You’ll typically be responsible for completing the title transfer yourself. Be sure to collect a signed title, a bill of sale, and, if required, notarized signatures.
What If the RV or Boat Has a Lien?
If the title lists a lienholder, you’ll need a lien release from the financial institution before the transfer can be completed. If financing your new RV or boat, the lender will hold the title until the loan is paid off.
Common Documents Needed for a Title Transfer
- Signed title from the seller
- Bill of sale
- Proof of insurance
- Proof of identity (Driver’s license)
- Lien release (if applicable)
- Vehicle/hull identification verification (if required)
Out-of-State RV and Boat Title Transfers
Buying your RV or boat across state lines?
You’ll usually need to:
- Obtain temporary registration.
- Pay applicable taxes or fees at registration.
- Meet any inspection or emissions requirements.
- Update your title and registration within the state’s legal grace period (often 30–60 days).
Tips for a Smooth RV Title Transfer
- Double-check the VIN or hull ID against the title for accuracy.
- Ask about state-specific rules—some require notarized signatures.
- Set up your insurance policy beforehand; many states require proof of insurance at the time of registration.
- Store your new title securely at home (never inside your RV or boat).
After RV Title Transfers: Protect Your Vehicle with Happy Camper
Transferring an RV title or boat title is one of the first and most important steps when starting your next great adventure. Making sure your title paperwork is complete—and your insurance is ready—means you can hit the road or water with total peace of mind.
At Happy Camper, we specialize in protecting your freedom. Contact us today to get the right insurance coverage for your RV, boat, or powersport vehicle—and start your next journey worry-free!
