Top 5 Considerations for RV Insurance

Tue, May 28, 2019 at 5:31PM

Top 5 Considerations for RV Insurance

Though the “official” start of summer is still a few weeks away, temperatures are already heating up outside. As schools let out and you might be thinking of a break from work and other duties, now’s the ideal time to consider hitting the open road in your recreational vehicle (RV).

Still, there are some things to keep in mind before you embark on your planned journey. Along with packing clothes, food, and other provisions, securing comprehensive RV insurance should also be top of mind. Here are some of the most common considerations as you mull the best coverage options to protect yourself, your loved ones, and your property:

1) Parking

One of the main draws of driving or riding in an RV is the sheer excitement of a road trip. Of course, there will be times when your vehicle is parked. Either you’ve reached a destination, or just need a safe place to sleep for the night or take a break from the highway.

Along with valuable safeguards, many policies also come with other benefits such as roadside assistance, travel information and discounts, fire extinguisher insurance, and more. Speak with a friendly and qualified insurance agent well-versed with RV insurance to get started on a customized policy that works best for you and your needs.

2) Personal Effects

While it makes sense that you’ll be spending a lot of time inside your RV, the reality is that sometimes you’ll be out and about, seeing sights, or simply enjoying quality time with friends and family. Unfortunately, thieves love to target vacationers. That makes your RV an enticing strike spot.

Along with the vehicle itself, crooks may try to swipe camping equipment, clothes and jewelry, parts and equipment, and similar items. While it’s impossible to guaranteed thieves won’t be attracted to your RV, you can protect your property and loved ones from potential theft. Contact a trustworthy and reputable insurance agent to get started.

3) Road Hazards and Liability Issues

Beyond typical automobile insurance, securing specific RV coverage is in your best interest for a variety of reasons, not the least of which is the fact that there are many more vehicles on the road during summer. That means the likelihood of a crash increases.

RV insurance covers you in the event of collision, property damage, bodily injury, medical payments, and other scenarios. You could also be eligible for discounts based on your activity, such as involvement in defensive driving courses, RV club membership, the frequency and times of year you drive your RV, and similar.

4) Long-Term Storage  

As mentioned, where you park your RV and for how long could be factors in your insurance coverage. This is particularly true if your vehicle will be stored for long periods of time, either at your home, a campground, storage facility, or other location.

Many risks are present during this period, including theft, vandalism, damage from severe weather, and more. It’s also a good idea to retain fire suppression insurance, since the threat of fire is always real.

5) Other Considerations

These are just a few of the ideas you should mull before taking off for summer vacation in your RV. You’ll likely have other questions and considerations. That’s why it makes sense to contact a dynamic insurance company with reliable agents who know about the details and importance of comprehensive RV insurance. That includes trip insurance, additional vehicle coverage (golf cart, motorcycle, car/truck, boat), pet insurance, and more.

For years, we’ve assisted countless people with a variety of insurance needs. Along with RV coverage, we also specialize in insurance for bars and taverns, fire protection insurance, church and school, business insurance, and personal lines. Contact us today to discover how simple and straight-forward it can be to secure thorough RV insurance.

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