What it is:
Whether you are travelling along in your RV alone or with your family, you want to make sure that you arrive at your destination safe and in one piece. Before you pick up, and head out on your next adventure, consider Recreational Vehicles insurance. From ATVs to motor homes, off-road vehicles to snowmobiles, there is an insurance plan that has you covered.
What is it for?
Recreational vehicle insurance covers you against much the same things that car insurance does. You won’t have to face the financial consequences of a thief stealing your vehicle, or damage due to accidents or storms alone. The insurance also typically covers injury to yourself, passengers, or other people involved in a potential accident as well as personal liability. RV insurance also covers things that are not typically covered under auto policies, such as the bathrooms or kitchens typically present in a motor home, or the trailer you would use to haul your other RV toys. More expensive policies may also cover your hotel stay in the case that your RV is damaged on your travels.
You would pay from your premium annually, or in one or six-month chunks. The policy could be renewed annually or semi-annually depending on your provider. It is necessary to purchase the insurance before you begin driving your vehicle. You have many options in how much and what kind of coverage you would like. Collision and comprehensive coverage would be a good idea if you have a newer vehicle. The necessary overage that you are legally required to have vary by state, but almost all of them do need you to purchase liability coverage.
Recreational Vehicles Insurance is a must have for anyone taking their RV on the road. You want a policy that is customized to your specialized needs as an RV owner.