There’s so much to explore when you’re cruising the country in your motorhome or RV. Not all surprises are good ones, though, which is why it helps to have an RV or motorhome insurance protection for yourself, your traveling companions, and your RV.

Standard RV coverages

Comprehensive and collision

Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision cover will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.

Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive coverage pays for the repairs minus your deductible.

Liability

Pays for damages and injuries you cause. For example, liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won't have the option to select liability coverage because your trailer is pulled by a motor vehicle. So just ensure you have liability coverage on the vehicle that tows your travel trailer.

Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver's medical bills and vehicle repairs up to your policy's limits.

Uninsured/underinsured motorist (UM/UIM)

If a motorist hits you with no insurance or insufficient insurance, UM/UIM can pay for your injuries, RV damage, and lost wages if you can't work.

Example: You're rear-ended by a driver with no insurance. Your motorhome is damaged, and one of your passengers is injured. UM/UIM covers the repairs to your RV and your passenger's medical bills up to your policy's limits.

Medical payments

It covers medical bills for you and your passengers if you're in an accident with your motorhome, regardless of fault. Note that medical payments don't apply to travel trailer policies.

Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay your spouse's hospital bills, even if the accident was your fault.

Additional Coverages include roadside assistance, total loss replacement, vacation liability, full-timers liability & many more.

If you own an RV or are considering purchasing one, you may wonder why you need RV insurance. Here are a few reasons why it is essential to have specialized RV coverage for your motorhome:

State Law requires RV Insurance – All states require a minimum liability insurance coverage.

Your RV is an Investment – Many RV owners spend as much on their RV as they would on a car or home. Purchasing RV insurance for your vehicle allows you to ensure that your investment is adequately protected.

Liability Coverage for Your Campsite – If one of your guests is injured in or around your RV, you could be liable. RV coverage provides you with protection in these types of situations.

If you are planning to vacation on the open road or use a motorhome as your primary residence, let us do the hard work for you. Call us now to know more about the various options in RV insurance.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.