This summer you are changing things up a bit for your yearly family vacation.  You want memories to last you a lifetime as your children are growing up so fast.  So you have chosen to buy a recreational vehicle (RV) and travel across the country.  An RV offers all the comforts of home while allowing you the opportunity to travel around the country.  And it beats having to stop every hour for your children to use facilities at a gas station or restaurant.  You know where and what activities you wish to do with your family.  But have you thought about purchasing RV insurance.

Before you hit the road make sure to purchase RV insurance so you can have peace of mind while traveling.  Owning an RV can be fun but do not forget it is a large investment that should be treated as such.  Besides an RV being an investment, coverage is also important because they are large vehicles that can cause major injuries and damage to vehicles or property in an accident.

What is RV Insurance and What Does it Cover?

Recreational vehicles include motorhomes, camper vans and bus conversions organized within three different classes.  The cost of your RV insurance will depend on the class of vehicle and usage along with added coverage.  Vehicle models such as luxury coach, converted bus or motor coach that are up to 75 feet long are included in Class A.  Class B vehicles do not have a cab-over and include cargo van type designs, travel trailers and camper vans.  Class C vehicles use standard cargo van as the driving portion and camper portion extends over cab area.

RV insurance is very similar to auto insurance coverage with collision, comprehensive and liability coverage.  RV insurance covers excessive out-of-pocket costs or if found at-fault in an accident that caused bodily injury or property damage.  You can purchase additional coverage for personal belongings on board, equipment and attached accessories.  RV insurance can also cover total loss replacement, emergency expenses and roadside assistance.

Finding the right coverage is important as the following situations can occur:

  • Uninsured/underinsured motorist coverage:  If another driver collides with you and is not insured or has a driver’s license, your insurance company will cover damages.  The amount of compensation will depend on limits set by your policy and your deductible amount.
  • At-fault accident: Another driver files a claim against you, your insurer will pay the claim up to the limits of your liability policy.  Any damages, injuries, legal fees or judgments out-of-pocket beyond policy limits are costs you will have to pay.
  • Comprehensive coverage: If your RV is stolen, you hit an animal or damaged by a hail storm your insurer provides coverage for the loss after the deductible and up to your policy limits.

Contact any of our offices to receive a free RV insurance quote.