RV Insurance
What Makes RV Insurance Unique?
RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.
Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.
Insurance for motor homes is specially designed to protect people that travel. Since your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider.
Options for Your RV Insurance Policy
When you insure your RV, you might want to consider these important options:
- Insurance for full-time RVers
- Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
- Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
- 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
- Emergency expense money
- Total loss coverage
- RV contents coverage
- Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.
Who Needs RV Insurance?
There are several classes of recreational vehicles and they each need special insurance:
- Class A covers RVs built like large commercial buses
- Class B vehicles resemble vans, but have taller ceilings so you can stand up inside
- Class C vehicles are large vehicles made from trucks or vans
Please contact us today and we will be happy to help you build the right RV policy for you!