RV owners know the journey means as much as the destination. While RV’ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is the same as car insurance.
While RV'ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is about the same as car insurance. However, if you don't have proper insurance for your RV, you may face financial hardship if you should have an accident.
RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.
Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.
Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider.
There are several classes of recreational vehicles and they each need special insurance:
When you insure your RV, you may want to consider these important options:
Coverage that pays for medical expenses for you and/or your passengers if injured in an accident.
Coverage for the financial responsibility if you or a family member are at fault in an accident that results in bodily injury or property damage.
Helps you to pay for your injuries or damages to your RV caused by a driver that does not have insurance coverage.
Helps you to pay for your injuries or damages to your RV in the event you are involved in an accident with someone that does not have sufficient insurance coverage.
Provides you with a comparable RV if your current RV is totaled within the first few years (length varies by company).
Coverage for bodily injury and property damage losses that occur at your vacation site.
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your RV.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.