What you need to Know about RV Insurance Coverage
Your family sings along to the latest radio hit as your RV cruises around another curve on the mountain. Your knuckles whiten as you grip the steering wheel, trying to maintain control of your camper on the icy road. Suddenly, taillights flare in front of you and traffic comes to an immediate halt. Your foot crushes the brake pedal, but your RV slides on the sleet like an ice skate and collides with the car in front of you. You assess your family; everyone is okay. You look at the car you collided with; the bumper is caved in. Your RV has a giant dent in the front. It’s situations like these that you are thankful you have RV insurance coverage.
An RV is an excellent investment for those who love to experience life on the road. Just like any operational vehicle, an RV requires an insurance policy. It’s important to realize that your RV isn’t a regular vehicle; your standard auto policy cannot protect you like you’d want to be protected. Because RV’s are special vehicles their policies are often referred to as specialty or specialized coverage. These policies are meant to cover expenses that are specific to RV’s. Here are a few things that a specialty RV coverage policy would cover depending on your carrier:
- Personal items that you would keep in an RV but not a car (jewelry, clothes, kitchen utensils, bedding, electronics)
- Liabilities that occur on or around campsites
- Hotel, Lodging, Meals, and Transportation expenses if your RV is damaged
Because RV’s come with loads of liabilities, there are various coverage options to ensure that you’re fully protected. The coverage you choose should be based on how you’ll put your RV to use. It’s important to know the type of coverage you’ll need when you do decide on a policy. Some of the more common RV coverage options are listed below:
- Full-Timer Coverage- Homeowner-type coverage for those who use their RV as a primary home
- Vacation Liability Coverage- For those who want to be protected from liabilities while parked, but do not use their RV full-time
- Personal Effects Coverage- Covers personal items stored in the RV
- Emergency Roadside Assistance Coverage- Can be added to a policy and used when the RV needs maintenance while on the road.
- Personal Injury Protection- Covers medical care costs for you, your family, and any injured passengers.
If you’re ready to get on the road and live the RV life, be sure that you and your family are properly protected with the best RV insurance coverage. Anything can happen from losing control on an icy road, to a risk-taking deer crossing your path, to a trailer coming off its hitch. You can never be too safe. If you want to find the best RV insurance policy for you, contact a carrier like Foremost Insurance or Progressive and get an RV Insurance quote so you can get started on your next travel adventure in no time!