Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
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Recreational Vehicle Insurance Information
Recreational Vehicle (RV) insurance is designed to financially protect individuals who own and travel in motorhomes, camper vans, travel trailers and other types of recreational vehicles. These vehicles are more than just a means of transportation; they often serve as homes away from home, making it crucial to safeguard them against a range of potential risks. RV insurance typically goes beyond the standard auto insurance policy, addressing unique concerns such as personal property within the vehicle, liability coverage for accidents that might occur while parked or on the road, and coverage for repairing or replacing specialized RV components. Whether you’re a full-time RVer or a part-time adventurer, understanding and obtaining the right RV insurance is essential to ensure peace of mind while on the road.
What Does RV Insurance Cover?
Most standard RV insurance policies include the following:
- Collision insurance can help cover repairing damages caused by a collision.
- Comprehensive insurance can help cover damages unrelated to an accident, such as theft or vandalism.
- Bodily injury and property damage liability can aid in covering expenses for property damage or bodily injuries you may inadvertently cause while operating your RV, also potentially extending coverage to legal fees arising from such an accident.
- Uninsured/underinsured property damage and bodily injury can help pay to repair or replace your RV in an accident with an at-fault driver who doesn’t have the appropriate insurance coverage. These coverage options may also help cover medical expenses for bodily injuries you suffer from these accidents.
Additional coverages to consider include the following:
- Roadside assistance
- Safety glass replacement
- Towing and labor
- Vacation liability
What Are the Factors Affecting RV Insurance Rates?
The following factors may determine RV insurance rates:
- Type, age and condition of the RV
- Whether the RV is used for recreation or as a permanent residence
- The types of coverage you choose
- Driving experience
- Driving record
- Claims history
How to Get RV Insurance
If you need a recreational vehicle insurance policy, we’re here to help. Contact Elliott Hartman Agency today to learn more or receive a free quote.