Many families are hitting the road this summer in their recreational vehicles (RVs). It’s a great way to explore our beautiful country and stop by unique tourist attractions. Whether you’re cruising from town-to-town or searching for natural wonders, you need RV insurance to keep your adventures on the road covered.
What is RV Insurance?
RV insurance is similar to car insurance – after all, it is a vehicle too! But RVs come with unique risks and require a specialized policy to address them. Some differences include:
- Size – a larger vehicle is more costly to replace and complex to operate
- Usage – is it a permanent or temporary residence
- Storage – where is it kept when not in use
- Personal Property – what is the value of personal belongings travelling with you
What Does Standard RV Insurance Include?
Most RV insurance policies include the following:
Liability Insurance
If you cause an accident, liability insurance covers the cost of repaying the damage you have caused to the other party. This includes medical bills, property damage, and legal expenses if sued. It’s important to note that liability insurance does not cover any damage to you or your vehicle.
Collision Insurance
Collision insurance covers you and your property if an accident occurs – regardless of who is at fault. So, if you are in an accident with another vehicle, or hit a stationary object like a fence, collision insurance covers the cost. Keep in mind, you will have to pay your deductible before insurance steps in to cover the cost.
Comprehensive Insurance
Comprehensive insurance takes your policy to the next level of protection. It covers situations you cannot control such as damage caused by storms, theft, and fire. When you think about RVs, they are often out during summer storms, and they are stored for long periods of time when not in use. Comprehensive coverage definitely makes sense for RV owners because of these scenarios. Once again, you’ll pay your deductible before insurance kicks in to cover the rest of the cost.
Additional RV Insurance Coverage
You can include additional coverage in your RV insurance policy, and may need to in some situations. Examples include:
Full-time RV Insurance
Do you live in your RV full-time? If so, you may need a slightly different policy that provides more liability coverage and coverage for your personal property. Make sure your coverage acts like homeowners coverage would to ensure you are getting the most from your policy.
Vacation Liability
Most RV owners are using their recreational vehicle on vacation. Vacation liability covers you when you are “parked up” somewhere. It provides additional liability coverage for incidents around your RV.
Personal Effects Coverage
Think about all of the personal property you travel with in your RV. Now imagine the items getting damaged or stolen. You should definitely consider this type of coverage because those items add up quickly! Think electronics, jewelry, kitchen equipment, clothes, and more.
Roadside Assistance
Many insurers have the option to include roadside assistance with your policy. It makes perfect sense to invest in this addon when you are traveling all those miles in your RV. Who wants to be stuck in the middle of nowhere with a breakdown and no easy way out? Take the stress out of your travel with a dedicated roadside assistance program.
RV Insurance with Ianniello Agency
Ready to hit the road with coverage you can count on? At Ianniello Agency, we are here to help you create a tailored RV insurance policy that fits your needs. Find out more about our RV insurance offerings today. You can also request a quote, or contact us to start the process.
