What is Recreational Vehicle Insurance?
Recreational vehicle insurance provides coverage for recreational vehicles. These vehicles include campers, motorhomes, camper vans, fifth-wheels, and pop-ups. All RVs require coverage, even if they’re only used occasionally. And the owner must have the proper coverage that’s required by their state.
Coverage Options
Recreational vehicle coverage helps in different situations. It can pay liability claims when the recreational vehicle damages another vehicle. It can pay to replace or repair the RV when it’s stolen or in need of repairs. A policy may also cover weather-related damages, such as from hail or high winds.
If nothing else, owners of recreational vehicles should have liability coverage. This is important because it pays for damages the RV causes to someone else. Without this coverage, the RV owner is responsible for the total cost. Plus, they’re breaking the law by not having the coverage. At least with coverage, the policy will pay up to its limits.
Comprehensive and collision coverage isn’t required, but it’s recommended. Collision coverage helps when the RV hits another vehicle. It will contribute towards repairing or replacing the RV. And comprehensive coverage is for incidents such as theft, vandalism, and damage caused by other accidents.
Uninsured or underinsured coverage is worth considering as well. That coverage helps when the RV is damaged in an accident with an uninsured or underinsured driver. This option also helps if the RV is involved in a hit and run accident. RV owners can add additional coverage, such as coverage for towing, personal property insurance, and roadside emergency services.
Benefits
RV owners need to protect their vehicles as well. And since RVs are often used for long-distance trips, the correct coverage is important. Recreational vehicle insurance helps RV owners following all types of accidents. And this can save money in the long run.