Vacation season is coming up, and if you own a recreational vehicle, you are ready to travel and explore the country. Before you hit the open road, make sure you have the appropriate coverage for your RV to protect your investment.
What is RV Insurance?
RV insurance covers the cost of damages to the vehicle under a covered incident and provides protection if you cause damages or injuries to others. There are a variety of coverages available depending on the type of RV you own and how it is used.
How Does It Work?
An RV insurance policy has many components similar to an auto policy, including bodily injury liability, property damage, comprehensive, collision, and uninsured/underinsured motorist. If you cause an accident or damage your RV, you can file a claim with your insurance provider, and depending on the incident and your coverage, your insurer will pay for losses or injuries up to your coverage amount.
Do I Need RV Insurance?
Yes, you do need it. An RV is unique in that it functions as a vehicle and a home while traveling. Having coverage for both of these is not typically included in an auto or home insurance policy. RV insurance coverage depends on the type of RV, but you’ll want to have a policy with at least enough liability insurance to meet the minimum requirements in your state. It’s important coverage to protect the large investment you’ve made in the RV and others in case of an accident.
What Does It Cost?
Like with all insurance policies, there are factors that impact the cost of RV insurance. These include the type of vehicle, how you use it, the amount of use, and driving experience. Discounts may be available for paying the entire premium in full, carrying other insurance policies with your insurer, or having a clean driving record. Your insurance agent can provide you with cost information depending on your situation. Generally, the more coverage you choose, the higher the insurance premium.
For any questions about RV insurance, contact your Zuber Insurance agent. We can help you decide on the right coverage for your RV.