19 May Attention RV Owners!
If you are a RV owner, you want insurance protection wherever your road trips take you. But do you know for certain that you have the correct coverage? There are a variety of coverage options just like there are a variety of RV types. If you are “driving “a motorhome, you’ll need liability insurance to stay legal on the road. But, if you’re “pulling” a travel trailer, your state won’t require you to insure the RV, as you are already covered for liability on your auto insurance policy.
In general, there are two basic RV insurance categories: full-timer’s and recreational. Recreational is for you if you are not living in your RV full time. Your RV will be covered inside and out when you are on the road or parked at a campsite. Full-timer’s is meant for those who use their motorhome or travel trailer as their primary residence.
Every policy should have the following standard RV coverages.
*Damages to your RV includes comprehensive and collision coverage.
*Damages or Injuries you cause are liabilities. This pays for damage caused or injuries occurred while you were driving.
*Damages and injuries caused by an uninsured driver.
*Medical coverage for you and your passengers.
Then there are also extra coverages you might need. These are just a few.
*Total loss replacement.
*Replacement cost for your personal effects.
*Pet injury coverage.
The cost of insuring your RV depends on many factors. A large motorhome will typically cost more to insure than a smaller, used RV. Typically class A motorhomes are more expensive to insure than class C motorhomes simply because they are larger and more expensive. Also, the more you use your RV the more it will cost for coverage. RV drivers that are experienced with driving one will pay less than those with little experience. A clean driving record can also be beneficial to your insurance cost.
In order to determine what coverage is best for you give The VanDyke Group a call and we can walk you through your options. Then you can enjoy the open road with peace of mind!
Material posted on this website is for informational purposes only and does not constitute a legal opinion or medical advice. Contact your medical professional or legal representative for information specific to your needs.