An RV can be a family’s home away from home, and this means that it is important to have comprehensive coverage for any accident, injury or other mishap that might take place. If you have been overwhelmed trying to find the best coverage, or feel as if you are overpaying for your current policy, then read ahead for a closer look at exactly how recreational vehicles insurance works and what you can do to keep your premiums affordable.
Establishing Your Coverage Needs
While there are some basic legal requirements for covering these vehicles, this type of insurance can be very flexible. Families who use their RV once or twice a year for weekend camping trips will need much different coverage than a retired couple that is using their RV as their primary residence. The minimum amount of coverage that all owners will need is a limited liability policy. This type of coverage is a legal requirement for all RVs that will be used on public roadways. It helps the owner with expenses such as injuries and vehicle damage after an accident.
What Is Covered With a Basic Policy?
RV owners will need to work closely with their insurance provider to determine exactly what contents inside of their vehicle they would like covered. Unlike other automobiles that typically have just a few personal possessions inside, an RV can have thousands of dollars worth of gear. Also, since every RV is slightly different, owners will need to decide what in particular they would like covered. This might include everything from generators and camping equipment to flat-screen TVs and clothing.
Expanding Your Coverage
A traffic accident is just one of the many risks that an RV owner will want to have covered. Depending on where these vehicles are used and stored, owners might need to extend their coverage to the vehicle even when it is not being driven. Recreational vehicle insurance can provide additional coverage for campground accidents, damage from the weather, vandalism, theft, towing, roadside assistance, and almost any other risk imaginable.