The Truth Behind RV Insurance

No matter if you're enjoying the safer side of vacationing in 2020 or living out your dreams of traveling in your golden years, your beloved RV needs the best insurance possible to keep you and your travel dreams safe.

2020 might not have been the year for vacations, but there have still been some ways to (safely) get out of the house with any real dangers or worries. One of the best ways to travel now is by RV! Thankfully with so many places to drive to in the United States, we have been able to travel and see some of our favorite and new favorite places from the comfort of our own mini living rooms. While some people only use their RVs for vacation purposes and others live in them full time, these vehicles, no matter their size, still need insurance. Do you have the proper coverage or do you have questions about what this coverage can give you? This is what we are going to be discussing in our blog today! 

First of all, you might want to know what RV insurance is. It is the agreement you've made with your insurance provider to pay an agreed-upon monthly amount to provide coverage and protection for your RV if damage or harm comes to you, your vehicle, or others. This insurance covers a wide range of vehicles from camper vans to converted buses to your travel campers and motor homes.

Like any other standard insurance that you can buy, you can pick and choose from a variety of coverage plans depending on the size and type of your RV, what you use it for, and more. There are two basic types of RV insurance, one is if you use your RV for recreational use, and the other is when you use your RV as your permanent residence. RV insurance will cover Class A, B, and C vehicles. While this is a plan that you and your insurance agent will pick together, the more you add to your plan to cover your RV, the more expensive it will become. If you have any questions about your RV or your current coverage, please don't hesitate to reach out and talk with us! 

As we mentioned above, there are two different types of insurance based on how you use your RV. The first type, Recreational Insurance, is just for those who use their RV for vacation. Full-timers insurance is dedicated to those who live in their RV full time and consider it their permanent residence. Coverage for full-timers is closer to homeowner's insurance if you choose. You can add additional coverage for personal liability and loss assessment. Here are a few things to know about what to expect in your coverage:

• You will need to buy motor home insurance. Since this is a vehicle you will be driving on the road, it needs to be insured for at least the minim liability for your state. If you don't have insurance and you're caught, you could lose your license, receive some heavy fines, or even face jail time according to Progressive Insurance. 
• If you are towing something on your motor home, like a travel trailer, you don't need insurance for that since you aren't actually driving it. However, you should consider getting coverage for it as it is an important asset to your travels and enjoying your RV. The car you might be pulling on this trailer will still need insurance though, as will a boat. 
• RV Insurance is very important because it is protecting the large investment you've made. Also, just like any vehicle, it can be involved in very serious accidents, In the case of an emergency, you will be grateful that you have insurance compared to the alternative. 

What does RV insurance cover? This is a very important question to ask your insurance company when you're in the market. You will be looking at a plan that does multiple things for you! 

• Your injuries will be covered. Regardless if you caused the accident or not that resulted in your injuries, all of your medical bills will be covered up to the limits you have chosen. 
• Your plan will cover damage done to your RV from uninsured drivers or drivers whose coverage can't cover your damages or injuries. 
• Your plan will also cover damages and injury done by you and your motor home or RV. According to progressive, this is the only required coverage you need in most states, but we urge you to add more to your plan for the protection of you and your belongings. 
• Your plan will also cover damages to your RV. Most plans will offer you collision and comprehensive coverage which will help in protecting your RV from acts of nature, theft, windshield damage, vandalism, accidents, and more. The collision part of your plan will help in cases of an accident with an object or vehicle, regardless of whose fault it is. With most plans for your RV, you have to have both collision and comprehensive coverage, you can't have one without the other! 

We mentioned previously that there is an opportunity to add more options and coverage to your RV. We do suggest that when building your plan that you include all the coverage we have listed above. However, when it comes to this next list, it all depends on you, your personal needs, and your insurance agent. Again, please don't hesitate to reach out to us if you'd like to discuss your options or begin creating the perfect plan for your needs. 

• One possible add on is total loss replacement of your RV. If it is totaled, your insurance company could pay for a brand new one, minus the price of our deductible. 
• Another add on is roadside assistance. Not every company provides this, but it can be an option. This can help you get towed when you need, help with a flat tire, help if you're stuck in the mud or snow, and much more! 
• If you happen to get into an accident and you can't stay in your RV after the accident occurs and you are 50 miles or more away from home, some companies offer an add on for transportation, lodging, and more. 
• We know that some of you love to travel with your pets or they live with you in your motorhome. Some companies have add on options for pet coverage if they are hurt in an accident involving the RV or motorhome. 
• An additional and important potential add on that some companies offer is something called vacation liability. This will cover you if or yours staying in the RV are hurt while on vacation. It can also cover property damage. 

How is your current RV insurance looking now that you've read this blog? Are you feeling confident about your next trip or are you feeling even more nervous from when you started your research? Don't panic! Now that you know this information, you know what to think about and talk about when you give us a call. We are here for you and your RV, so gas it on up and give us a visit! 

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