Recreational Vehicles Insurance
Is it the vacation of a lifetime or a retirement dream come true? How about simply a financially savvy decision? A recreational vehicle can be any or all of these. What it should always also be is a protected investment. The best way to achieve that is through sound RV insurance from our agency.
We cover all classes of recreational vehicles, including but not limited to:
- Truck campers
- Pop-up campers
- Park models
- Fifth wheel RVs
These days, people have a lot to insure in their RVs, including quality furnishings, antennas, hitch packages, personal belongings, awnings and even audio-visual systems and computers. Getting coverage right for all of that takes some question and answer time with a knowledgeable agent. We take the time to look at your property and customizations, along with your typical use of the vehicle, including international travel.
RVs need coverage for the standard automobile concerns, such as:
- Other-than-collision damage (comprehensive coverage) from animals and falling or flying objects
- Uninsured/underinsured motorists
But there are other concerns that exceed normal auto insurance costs, like temporary replacement coverage if you break down or have an accident while on a vacation and your RV needs to go into the shop. Towing and other roadside assistance is also tailored to the size of your vehicle, and options exist for valuing your RV, so we’ll discuss your choices with you as well as deductibles and ways to save on your premiums.
Liability Is Always Included
By law, RV owners must have liability insurance, and all our policies meet or exceed state minimums, but it’s important to look at liability coverage from more than a regulatory perspective. You need coverage that protects your assets against large losses incurred by others as a result of your driving or your negligence at a campground. Plus, you’ll want to consider medical payments, bodily injury and lost-time coverages. Uninsured, those can devour your savings. If you are using your RV as your primary residence, there’s a whole other set of liability and property concerns that we need to iron out.