Recreational Vehicles insurance is designed to protect you and your RV in case of an accident or other damages not related to collisions. It’s designed for people who own RVs, and whether you use them part-time or more often, it’s generally a good idea to have it to protect your investment effectively.
The type of coverage you purchase will depend on what you use your RV for and how big it is. There are three classes of RVs that are organized by size – Class A, B, and C. What you use your recreational vehicle for is important as well. Full-time RV insurance is for those who keep the RV as their primary residence for at least six months out of the year. Recreational insurance is if you just use your RV from time to time. Either way, RV insurance coverage benefits you and protects you from the unexpected.
Much of the same specific coverages apply to both types of RV insurance – whether full-time or recreational, and the types of coverages you purchase will depend on the insurance company you choose because each provider of insurance offers different coverages. These may include:
- Liability Insurance – as with other types of auto and motorcycle policies, liability coverage protects you against costs associated with bodily injury or vehicle damage to others that you accidentally caused.
- Comprehensive coverage – protects your RV against acts of nature, fire, or theft.
- Collision coverage – if your RV is damaged in an accident, this coverage pays for the costs of repairs, minus your deductible.
- Vacation/Campsite liability coverage – Similar to ordinary liability coverage, but this is for when the vehicle is being used for vacation purposes or is parked at a campsite, instead of being driven on the road. It helps with the cost of others’ injuries or property damage.
Many of the coverages you’ll be offered for recreational vehicles insurance will be similar to those found on your homeowners’ insurance policy. They’re designed to protect you and your investment from the unexpected, and if you use your RV often, even if it’s just a few times during the summer, it’s a great idea to have it insured.