Insurance for RECREATIONAL VEHICLES
For some, the open road and all its varied destinations is quite the siren call. Finding the perfect RV for your sojourns is just the start. Once in the driver’s seat, it is important to first acquire the most suitable insurance plan to cover you from hood ornament to the rear window “Good Sam” sticker.
RV insurance is what you need for your vacation home on wheels. RVs usually include a small galley or kitchen, a bathroom, a living room like area and some sleeping spaces. Some are quite basic while others are equipped with state of the art accessories and luxury amenities. The policy will reflect the type of recreational vehicle you choose to own. An RV is also commonly known as a “motor home” in many places and is utilized for camping and long distance traveling.
Motorized recreational vehicles come in different shapes, sizes, and with different capabilities. Examples that all require coverage are the aforementioned motor homes, camper vans, the mini-motor home and even sport utility vehicles. There are RVs that can be compacted and towed, travel trailers, fifth-wheel trailers, and campers modified for truck beds, just to name a few. When you have purchased your RV, its exact type and model will help you to determine the best coverage.
RV Insurance Basics
Most insurance companies provide different policies for RVs, but there is the option of bundling your RV coverage with your auto or homeowners policy. This can often result in a significant discount. The company you currently use to handle your auto insurance is probably the first place to enquire about covering your RV.
Recreational Vehicles are unique for insuring purposes and there are specializations in RV policies such as vacation liability. In this case your policy pays for any physical injury or property damages while in a camping spot. There is the requisite total loss replacement that covers the value of the RV when it has been totaled in an accident. An RV owner is also offered personal effects replacement coverage that protects him or her from the loss of personal belongings inside the RV. You can acquire coverage for windshield replacement or repair and there is coverage available for any medical payments for injuries sustained in the RV regardless of fault. And, of course, there is the typical comprehension and collision coverage that also includes coverage for any emergency expenses incurred when the RV is incapacitated and you need to find a way home. Towing is also a highly suggested option to purchase.
To acquire the proper coverage it is important that one first specifies the type of RV. When you have purchased the correct policy for your needs, you are ready to enjoy the open road with friends and family.