Recreational Vehicle Insurance
When you decide to purchase a recreational vehicle (RV), it’s essential to put the proper measures in place to protect it; after all, it is a significant investment. One way to protect this valuable purchase is through RV insurance. RV insurance provides financial protection if you cause injuries or damage to others and can also help cover the cost of damage to your vehicle if a covered incident occurs. RV insurance may cover various vehicles, including class A, B and C motorhomes, travel trailers, and pop-up and truck campers.
What Does RV Insurance Cover?
Most standard RV insurance policies include the following:
- Collision insurance can help cover repairing damages caused by a collision.
- Comprehensive insurance can help cover damages unrelated to an accident, such as theft or vandalism.
- Bodily injury and property damage liability may aid in covering expenses for property damage or bodily injuries you may inadvertently cause while operating your RV, also potentially extending coverage to legal fees arising from such an accident.
- Uninsured/underinsured property damage and bodily injury may help pay to repair or replace your RV in an accident with an at-fault driver who doesn’t have the appropriate insurance coverage. These coverage options may also help cover medical expenses for bodily injuries you suffer from these accidents.
Additional coverage to consider includes:
- Roadside assistance
- Safety glass replacement
- Towing and labor
- Vacation liability
What Factors Affect RV Insurance Rates?
The following factors may determine RV insurance rates:
- Type, age and condition of the RV
- Whether the RV is used for recreation or as a permanent residence
- Location
- The types of coverage you choose
- Driving experience
- Driving record
- Claims history
How to Get RV Insurance
If you need a recreational vehicle insurance policy, we’re here to help. Contact The Kimberlee Agency today to learn more or receive a free quote.