627 South Main Street
RV owners are a special breed. We love to take to the highway and traveling is more than just a means to get from point ‘A’ to point ‘B’—for many of us,the journey means as much as the destination.
While RVers enjoy being on the road and getting away from all the hassles and problems back home, many mistakenly assume that RV insurance is about the same as car insurance.
There are several important differences to be aware of. In fact, if you don't have proper insurance for your RV, you could end up facing financial hardship if you should have an accident.
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. And because 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.
There are several classes of recreational vehicles and they each need special insurance:
Fifth-wheel trailers like larger homes on wheels are specifically made for pulling on the highway and camping or long-term use.
Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car, like liability,comprehensive, and collision.
If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage,both on and off the road.
When you insure your RV, you might want to consider these important options: