Recreational vehicles vary widely, from mopeds to motorcycles to trailers. With so many different types, recreational vehicles often need different types of insurance tailored to their unique risks.
Since RVs face different risks, there are often different coverages available for them. Overall, however, RV insurance offers a lot of the same coverages as available under your car insurance policy. This may include:
- Comprehensive Coverage: Comprehensive coverage provides compensation for damages to the vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not involving collision.
- Collision Coverage: Collision coverage provides compensation for damages to the vehicle caused by collision with another vehicle or object.
- Liability: Liability insurance helps compensates other people if you cause bodily injury or property damage to someone else while operating the insured vehicle. It can also help with lawsuits concerning an at-fault accident.
- Medical Payments: Medical payments coverage provides compensation for injuries you and your passengers may sustain after an accident, no matter who is at fault.
- Uninsured/Underinsured Motorist: Uninsured and underinsured motorist coverage provides compensation for accidents involving another driver who is not carrying enough (or any) insurance at the time of the accident.
Additional Coverage for RVs
Depending on the type of RV you have, you can purchase additional coverage for your recreational vehicle that is not available under a normal auto insurance policy. This may include:
- Personal Belongings Coverage: Contrary to popular belief, auto insurance policies don’t generally cover the items inside your vehicle. Instead, your home insurance policy should cover your personal items while they are in your vehicle or in transport. If you don’t have home or renters insurance, you may not have coverage for these items. Personal belongings coverage under RV insurance provides compensation if your personal items are lost or damaged while inside your RV.
- Emergency Expense: If an accident occurs while you’re away from home, emergency expense coverage can help with the cost of food, travel and lodging.
- Full-Time RV Coverage: There is extra coverage available for those who live in their RV full time, including additional liability insurance.
- Permanent Attachments Coverage: This coverage adds additional coverage for permanent attachments you may add to your RV.
- Guest Passenger Liability: Guest passenger liability helps with expenses for passengers who are involved in an accident in (or on) your RV.
Be sure to ask an insurance agent about the specific coverages available for your unique RV.
Also Read: Deciding Between Boat Insurance And Home Insurance
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