What is RV insurance?

A recreation vehicle, also known as RV, is a great motor vehicle for touring the world. Since auto insurance is a mandatory requirement in New York, your RV also requires RV insurance. Ensure that you have a custom coverage before you hit the road. Shults insurance agency can help you make an informed decision when purchasing insurance coverage for your recreational vehicle in Fort Plan, NY and beyond. It is important to note that if your RV is towed behind your car, it may be covered by your existing auto insurance.

RV insurance can, therefore, be an optional coverage in most cases. But, if the RV is driven independently, you need an insurance coverage for it. Always have an extra coverage for you RV above the minimum state requirements. This will ensure that you’re adequately protected in case of an accident or natural disaster.

Coverage Options

There are several coverage options to consider for your RV, including:

Liability Coverage– This is often a mandatory requirement in New York. Ensure that you take an adequate limit than the state minimum. It covers you from damages caused to other vehicles or properties when driving your RV or for injuries caused to other people and passengers. However, it does not cover you and your RV.

Collision- Cavers losses resulting from collision accidents with other vehicles or objects.

Comprehensive– Covers losses that are not related to collision accidents, for instance, theft, storms, vandalism, etc.

Underinsured or Uninsured Motorists– This coverage covers you and your RV in case you’re involved in an accident with drivers who either lack insurance or carry inadequate coverage.

If you own and operate an RV in Fort Plan, NY, Shults Insurance Agency is your one-stop shop for all kinds of RV insurance. Contact us today for more information on our coverage plans or head straight to our website to get a quote.