RV Insurance
Recreational vehicles are growing in demand, year after year. With this comes a higher number of injuries and claims.
Don’t get stuck without one of these without proper insurance.
What is RV Insurance?
RV insurance is a type of personal insurance policy which helps protect Recreational Vehicle (RV) owners from financial losses.
There are different types of RV insurance, but most policies provide coverage for damages to the RV, personal belongings inside the RV, and liability in case someone is injured while inside the RV.
RV insurance can also help cover the costs of emergency expenses like towing and repairs, though this can depend on the policy.
What Can It Cover?
RV insurance policies can cover a variety of different things. The most basic policies will cover damages to the RV itself in the event of an accident or other covered event.
This can include things like:
- collision damage
- fire damage
- theft
Most policies will also cover personal belongings that are inside the RV.
This can include things like:
- clothing
- electronics
- furniture
Some policies will also cover liability in the event that someone is injured while inside the RV. The limitations and coverage of each policy will vary, so it’s important to read the policy carefully before buying.
Most insurance companies allow users to select their own coverage limits, which can be extremely helpful for those who want to customize their policy.
What Does It Not Cover?
As with any insurance policy, there are certain things that are not covered by RV insurance.
One of the biggest exclusions is damage that occurs while the RV is being used for business purposes. This includes things like delivering goods or providing services.
Another exclusion is damage occuring due to weather events.
This can include things like:
- hurricanes
- floods
- earthquakes
Some policies may offer coverage for these events, but it’s important to check with the insurance company beforehand.
Are There Policy Limits?
Yes, most RV insurance policies have limits. These limits can vary depending on the type of policy and the insurer. It’s important to check with the insurance company to see what the limits are before buying a policy.
The best way to find out if an RV insurance policy is right for you is to speak with an educated insurance agent who is familiar with RVs already.
We can help you understand the coverage options and select the right policy for your needs. If you are a recreational vehicle owner, make sure you are properly protected by getting an RV insurance policy today.
Motorcycles, RVs and Similar Vehicles on a Personal Auto Policy: These can be added to the Personal Auto Policy. The policy defines “miscellaneous type vehicles” as a motor home, motorcycle, scooter, all terrain vehicle, dune buggy, or golf cart. (Note: A golf cart can also be endorsed onto a Homeowners Policy). The endorsement can be used for virtually any type of motor vehicle that meets auto eligibility requirements – non-fleet, not owned by a corporation or partnership, etc. An exception is a snowmobile for which there is a separate endorsement.
You might find better coverage and price on a separate motorcycle policy offered by one of our carriers. We will compare the coverage cost of an endorsement to your auto coverage with a separate motorcycle policy to see which best suit your needs.