There’s nothing quite like hitting the road in your RV, seeing the sights and stopping whenever you decide the time is right. Yet, most RVs are large vehicles, and they are valuable assets. When there is an accident, you want to know you have financial help to support you. That’s what RV insurance offers. The right policy should bring you peace of mind.
What Should Your RV Insurance Policy Include?
There are a wide range of factors to keep in mind. First, it’s important to have a policy that fits the specific type of vehicle you have. The biggest difference is in whether or not it is a motorized RV or a towable RV. Your coverage should fit either vehicle properly.
Motorized RV Insurance
Most RVs fall into this area. If your vehicle has an engine and therefore operates on roadways alone, you need to make sure it has comprehensive coverage. Most often, this means protecting the vehicle’s value itself with a collision insurance policy paired with a comprehensive insurance policy. In addition, you will need to meet at least the minimum required level of liability insurance for the state in which you live in. With a motorized RV, the minimum is rarely enough to provide complete protection.
Towable RV Insurance
Some RVs are hitched to a pickup truck and pulled from place to place. Your risks here are still the same when it comes to protecting your property. You may need less liability insurance, though. The key is to choose a policy that’s customized to the function of the vehicle you own.
Other Factors to Consider with RV Insurance
It’s also important to work with your insurance agent to choose a policy that’s fitting for any other needs you have. It should offer, for example, coverage for the contents of your RV. If you have numerous valuable items there, be sure your policy reflects this.
Also, be sure to reflect who is driving the vehicle, how much you plan to use it, and the overall value of the RV. You want RV insurance that has you covered no matter what happens on the road.
Ready to Get a Quote on Coverage?
When it comes to buying RV insurance, Dimmitt Insurance can offer you the competitive quote you need designed just for your vehicle. We encourage you to learn as much as you can about what coverage options are available to you. Give us a call to learn more.