Recreational vehicle insurance is a policy written for different types of RVs (recreational vehicles). A traditional RV is a trailer or motor vehicle that has living quarters. Examples include:
These vehicles are generally used for vacation driving trips. Anyone who plans to drive an RV needs insurance coverage. It’s illegal in most states to drive any motor vehicle without some sort of insurance coverage. And although an RV is not a car, it’s still a motor vehicle. Recreational vehicle insurance does more than just keep you in accordance with the law.
Just like with car insurance, RV insurance has several options available. The most basic type of coverage includes liability. When you’re driving a great distance, there’s always the possibility of getting into an accident. The more time you spend on the road, the more at risk you are. Liability coverage pays for damages that you cause to others. This includes physical damages as well as property damages. Just keep in mind that liability doesn’t cover damages that you sustain.
You might prefer comprehensive coverage, which includes liability and several other benefits. Your RV is covered for events such as fire, theft, and vandalism. And this coverage will replace or repair your RV when it’s damaged, no matter who is at fault for the damage. Not all insurers offer the same coverage, but liability and comprehensive are standard offerings. Personal belongings coverage is also worth considering. This type of coverage pays to repair or replace belongings kept in the RV. The amount you pay for recreational vehicle insurance depends on the size of your RV and how often you use it. The amount of your deductible will also affect your monthly premium. The expense is worth it in order to protect your RV while on the road
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