Recreational Vehicle Insurance – Do You Need RV Insurance?
Recreational vehicle insurance is for recreational vehicles. You also might see it referred to as RV insurance. This coverage applies to several types of recreational vehicles, including fifth-wheel vehicles, travel trailers, teardrops, pop-ups, toy haulers, and campers. You cannot use regular auto insurance for an RV. You must purchase RV specific insurance.
Just like with other types of insurance, you have to pay a premium to have coverage. As long as you pay your premiums as agreed, then you will have coverage should an incident occur. You will also have to pay a deductible, but the insurance should cover all or most of the rest.
You can add a variety of features. For instance, liability covers healthcare bills and damage to other vehicles and drivers. Personal injury is money that goes toward medical bills for you and others in the RV. Collision covers repairs for your RV, and comprehensive coverage is for events such as fire damage, vandalism and theft.
You might also want roadside assistance to get help if your RV breaks down on the road. You can receive assistance such as battery jumps, gas, key lockout service, flat tire repair and more. You can also consider loan protection which will help if you cannot pay the loan because of an illness or injury. And personal property coverage is for your personal belongings inside the RV. Recreational vehicle insurance offers many benefits.