There’s no shortage of places to explore when you own an RV. Smart RV owners won’t hit the road, however, without RV insurance coverage. RV insurance can protect you from accidents, breakdowns, theft, injuries, and more. Here’s what you should know about RV coverage.
Is RV Insurance Required?
RV liability insurance is mandatory in many areas of the country. This is the coverage that pays for other people’s injuries and damages in accidents you cause. We recommend you get as much liability coverage as you can afford to protect yourself against serious accidents you may cause.
RV policies also offer collision, comprehensive and uninsured motorist insurance as optional coverage. Collision insurance covers damage to your RV caused by collisions. Comprehensive covers theft and damage caused by non-collision incidents like falling objects, lightning strikes, hail damage, etc. Uninsured motorist covers damage to your RV caused by accidents with uninsured drivers.
Factors that Affect RV Coverage
Various factors like the cost of your RV, your driving habits, and your lifestyle will affect the type of insurance you buy. If you have taken out a loan on your vehicle, your lender may require you to have collision and comprehensive coverage to protect his investment.
You should also consider your lifestyle when purchasing RV insurance. If you are “always” on the road, you’ll need more protection than someone who uses his vehicle sporadically. Full-time RV’ers may even want special coverage like RV replacement cost insurance to protect their vehicle against risks that could cause a total loss.
Importance of RV Coverage
As exciting as RVing can be, there’s always a risk of accidents. With RV insurance, you can be prepared for mishaps that can lead to financial loss, and you won’t have to worry about paying for accidental damage or injuries on your own.
For quality RV insurance at an affordable cost, contact your Client Experience Team at AnnieMac Insurance.
