RV owners know the journey means as much as the destination. While RV’ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is the same as car insurance.
Not having the proper insurance for your RV could cause you financial hardship.
RV insurance is like two policies in one: it protects your vehicle similar to auto insurance and your living area to home insurance.
Collision and road emergencies are definitely risks to insure against but when you're camping or parked, your RV becomes a home and needs to be protected for theft, fire, liability and more.
There are several classes of recreational vehicles and they each need specialized insurance:
When you insure your RV, you may want to consider these important options:
Coverage that pays for medical expenses for you and/or your passengers if injured in an accident.
Coverage for the financial responsibility if you or a family member are at fault in an accident that results in bodily injury or property damage.
Helps you to pay for your injuries or damages to your RV caused by a driver that does not have insurance coverage.
Helps you to pay for your injuries or damages to your RV in the event you are involved in an accident with someone that does not have sufficient insurance coverage.
Provides you with a comparable RV if your current RV is totaled within the first few years (length varies by company).
Coverage for bodily injury and property damage losses that occur at your vacation site.
Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.