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Recreational Vehicle Insurance

Does Your RV Qualify for Recreational Vehicle Insurance?

A recreational vehicle (RV) is intended for good times. And you’ll likely have plenty of fun adventures in your RV. But before you head out to have fun, take time to get RV insurance. You might get into a collision, your RV could get vandalized, or you might experience some other mishap. With insurance coverage, you’ll get help dealing with certain mishaps.

An RV is technically a vehicle or trailer that includes living quarters, but there are different types of RVs. Motorhomes, truck campers, caravans, fifth-wheel trailers, and popup campers are all forms of RV. And all of these vehicles should have insurance coverage in order to protect your investment.

Standard RV coverage includes some of the same options as traditional auto insurance. Most insurers offer:
1. Comprehensive coverage compensates you for damage to your RV. You might hit an animal, hit a pole, get vandalized, or the RV might get hit by an object like a baseball.
2. Collision coverage is for when your RV hits another vehicle. It doesn’t matter who is at fault. The insurer will help with the cost of repair.
3. Liability coverage is for when you cause damage to someone else while driving your RV. Your insurer will help foot the repair bill.
4. Liability for physical injury pays the medical bills for those you hurt while driving your RV. The person also could’ve been a passenger in your RV.

In addition to basic coverage, you might want options such as:
1. Towing and roadside assistance for when the RV breaks down during your travels.
2. Total loss replacement in the event your RV becomes unusable within a few years of purchase.
3. Replacement coverage in the event your personal belongings are stolen from the RV.

Driving your RV during vacation puts you at high risk for accidents. Having recreational vehicle insurance means you’ll get help dealing with just about any mishap you can possibly experience.