Insurance for Recreational Vehicles
Recreational vehicles are made for traveling the world. But when you’re traveling, you want to make sure your RV is protected. Collisions, bad weather, theft, and vandalism are a few things that can ruin your trip and your RV. Recreational vehicle insurance is something that every RV owner should have.
Basic RV insurance is generally enough to fit most RV insurance needs. You can get replacement coverage for personal belongings stored inside of your motorhome or travel trailer. And total loss replacement will replace your RV if it’s totaled within the first few years of use. An RV policy can also include towing and roadside assistance.
If you live in your RV, then you’ll want year-round coverage. But if you only use the RV during a certain time of the year, you might want to ask about policies that are active only for a certain period of time.
There are generally 4 types of RV insurance policies from which to choose. They include:
1. Collision coverage for when you hit an object or an object hits your RV.
2. Comprehensive for non-collision damages, such as damage caused by an animal or theft.
3. Liability to provide you with help if you’re at fault for causing injuries to someone else.
4. Bodily injury to pay medical costs for those injured while inside of your RV.
Benefits of Recreational Vehicle Insurance
Most recreational vehicles spend a lot of time on the road. And the more time you spend on the road, the more you’re exposed to potential threats. RV insurance is good to have during those times when you need financial help.