Recreational vehicles are a great way to explore the country with friends or family. However, it would help if you understood that RVs need a unique insurance policy since they double as transportation and sleeping quarters. For this reason, insuring your RV is a bit different than insuring your car or home. So, before you take off for that fun road trip, make sure you have the right insurance policy for your RV. Here’s what to look for.
What to Consider
Depending on what state you live in, RV insurance requirements can vary. But most states require liability, collision, and comprehensive coverage. Since RVs are some of the largest vehicles on the road, they can do quite a bit of damage in an accident. Because of this, you’ll want to make sure you have proper liability coverage. You may even want to consider an umbrella policy to protect any savings or retirement funds in the event of a serious accident.
Comprehensive and Collision
Depending on what kind of comprehensive or collision policy you have on your RV, damage can be covered in different ways. It’s important to talk to an insurance professional to understand the coverage options fully. A quick conversation will help you decide what makes the most sense for you, your family, and your RV.
Total Loss Replacement Coverage
If your RV is totaled in an accident or stolen and not recovered, you’ll save yourself a huge headache and a lot of money if you have Total Loss Replacement coverage. This kind of policy ensures that you can replace your RV with a comparable new model.
Not sure what kind of coverage you need for your RV? Before you hit the open road, contact us at Leigh Agency. We can make sure you get the right policy right away.