Don't leave everything to chance; keep yourself protected with an insurance
There’s so much to explore when you’re cruising the country in your motorhome or RV. Not all surprises are good ones, though, which is why it helps to have a RV or motorhome insurance protection for yourself, your traveling companions and your RV.
Standard RV coverages
Comprehensive and collision
Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.
Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.
Liability
Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.
Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.
Uninsured/underinsured motorist (UM/UIM)
If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.
Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.
Medical payments
Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.
Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.
Additional Coverages such as Roadside assistance, Total loss replacement, Vacation liability, Full timers Liability & many more.
Bodily injury Coverage
If you cause an accident with your RV and someone is injured, you need to pay for their loss.
This coverage can help pay their medical bills and loss of income. Most states require liability coverage.
Vacation liability Coverage
You are on a vacation and an accident occurs in your premises causing a substantial damage.
Provides protection if an accident happens on the premises while the RV is being used as a temporary residence. Some companies provide up to $10,000 in coverage with any pleasure-use RV that has physical damage coverage under both comprehensive and collision coverages.
Towing & labour Coverage
Your RV breaks down and you are in immediate need of towing so you will reach a Garage repair shop easily.
Covers towing and labour, as well as trip interruption expenses such as lodging, transportation and meals.
Roadside assistance Coverage
You may fall in need of fuel, a tire change, a jumpstart or a tow while travelling
Get 24/7 emergency help if you need fuel, a tire change, a jumpstart or a tow. Roadside Assistance also covers any trip interruption expenses that happen when you’re more than 50 miles away from home.
Uninsured / Underinsured Motorist Coverage
Drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV can put you into liabilities.
This RV coverage helps protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage may also protect you from covered hit-and-run accidents
If you own an RV or are thinking of purchasing one, you may wonder why you need RV insurance to begin with. Here are a few reasons why it is important to have specialized RV coverage for your motorhome:
RV Insurance is Required by State Law – All states require a minimum amount of liability insurance coverage.
Your RV is an Investment – Many RV-owners spend as much on their RV as they would on a car or home. Purchasing RV insurance for your vehicle allows you to ensure that your investment is properly protected.
Liability Coverage for Your Campsite – If one of your guests is injured in or around your RV, you could be liable. RV coverage provides you with protection in these types of situations.
If you are thinking about vacationing on the open road or using a motorhome as your primary residence, let us do the hard work for you. Call us now to know more about the various options in RV insurance.
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
© 2021 Right Choice Insurance Designed by Amplispot
Privacy Policy | Terms & Conditions
Get Quality and Affordable Insurance
