Recreational Vehicle Insurance
Recreational Vehicle Insurance Information
Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.
Make sure you have the right recreational vehicle (RV) insurance policy for your next trip.
An RV is a vehicle, but it’s so much more than that. In many ways, it’s like your home. How you use it will differ from how you use your car. You must therefore consider its unique aspects when insuring it.
Finding RV insurance policy doesn’t have to be hard. Let one of our agents at Iten Agency guide you through the process of getting targeted yet affordable protection.
Liability Insurance for Recreational Vehicles
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.
Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.
After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.
In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.
Common RV Insurance Questions:
RVs are incredibly expensive. They usually far exceed the cost of the standard car. Therefore, you have to insure this vehicle with appropriate auto and property insurance. That will help you avoid costly losses from accidents during use.
Let’s say you have a wreck while on vacation in the vehicle. Or, maybe your RV catches fire at a camp site. Both accidents could be harmful to you and others. It will also likely create damage that is expensive to repair. If you have an RV policy, you can often get critical financial help paying for these losses. Consider coverage essential to your long-term security.
RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes:
Bodily injury liability coverage pays for their medical bills (and in some cases deaths)
Property damage liability pays for damage to the other driver’s property, like their car.
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for vehicle damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Campsite and Vacation Coverage: Covers liabilities associated with using the RV as a vacation property.
Full Time Residence Insurance: If you live in the RV permanently, turn to this coverage.
Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.
Keep in mind, the exact policy you need may vary. You’ll want your coverage to protect the vehicle appropriately both during travel and stationary periods. Talk to one of our agents about how to tailor your own protection to your advantage.