RV Insurance 101: What You Need to Know

Wed, Apr 22, 2020 at 7:58AM

RV Insurance 101: What You Need to Know

Scores of people across the country have discovered and embraced the freedom and flexibility that comes along with owning or using a recreational vehicle (RV). Here’s where you can hit the road when the spirit moves you — exploring new locales and spending quality time with friends and loved ones in areas where you might not otherwise be able to reach.

That’s one of the many reasons why it makes sense to protect your investment. By securing reliable RV insurance, you’ll be in a position to get years of enjoyment from your vehicle. Use these tips to find the best insurance solutions for your needs.

Determine Your Use and Requirements

No two RV enthusiasts are alike, so it’s important to find insurance coverage that will match your unique needs and preferences. Start by considering the size of your RV. Often used as a motorcoach or luxury transportation, Class A models can be up to 75-feet long. Class B is the smallest type of RV. Class C covers several varieties, including fifth-wheel vehicles.

You’ll also want to think about how often the RV will be in use. Is this vehicle for weekend fun, or will you be living in it for all or part of the year? Driving history, accident record, number of drivers on the policy, and other factors will also come into play.

As a responsible driver, it makes sense that you’d keep safety top of mind. That’s why it’s nice to know that RV insurance can also be coupled with other important provisions such as fire protection insurance and similar.

Know the Details

Some people think their everyday auto insurance covers recreational vehicles as well. That’s not always the case. Motor homes require specific coverage that’s typically not available in most auto insurance policies. Just as insurance for bars and taverns will have unique specifications, choosing comprehensive RV insurance is a decision that will pay off in the long run.

Depending on where you plan to travel in your RV, you might want to investigate special coverage. A reliable and trustworthy insurance agent can help you make decisions in this regard. In addition, you’ll want to ensure you have adequate safeguards in place that address collision, liability, uninsured motorists, personal property protection, roadside assistance, and more.

While no one wants to think about the worst happening, the fact is that accidents can and do occur. That’s when it makes sense to couple your coverage with other insurance solutions such as fire extinguisher insurance and similar.

Reap the Rewards

Each state has its own requirements for RV insurance, so it’s essential to speak with a reputable agent in your home locale for required and also essential coverage. Beyond that, you’ll also want to secure special provisions — some of which have been previously mentioned.

For instance, comprehensive coverage protects your RV from theft and vandalism, windshield damage, some acts of nature, and similar. Collision covers damage caused to your recreational vehicle, regardless of who might be at fault.

In addition, you can and should discuss with your agent coverage for bodily injury and property damage liability, medical payments, total loss replacement, emergency expenses, pet injury, and personal liability for full-time RV owners. Now’s also a great moment to look into fire suppression insurance and similar safeguards.

Partner with a Reputable Firm

When the open road is calling your name, the last thing you want to do is get bogged down with details that keep you inside. That’s why it’s best to select an insurance firm well-versed with many types of coverage.

For years, we’ve been a trusted leader in not only RV insurance, but other concentrations as well. That includes solutions for fire protection, church and school, bar and tavern insurance, personal lines, and business insurance. For your convenience, we have an online form you can fill out to get started with RV insurance. You’re also always welcome to contact us today with any and all questions you might have.

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