Recreational vehicles (RVs) are more than just a mode of transportation; they carry you around with as much comfort and fun as possible. Even though RVs are associated with fun vacations, they still need insurance protection just like any other vehicle or piece of property you own. And, just like auto insurance, your RV will also need liability coverage.
Liability coverage has limits that work on both a per-accident and per-policy basis. You’ll also be responsible for paying a deductible when filing a claim.
Liability Coverage for RVs
Your RV is a moving vehicle that can cause bodily injury and property damage to third parties. Liability coverage can reimburse you for any damages you accidentally inflict on others. This coverage can also protect you from the expense of environmental cleanup after a collision that causes the spillage of a pollutant.
Property Coverage for RVs
After you've considered the liability risks associated with your RV, it's time to purchase coverage to protect the vehicle itself. RV property coverage protects you from the expense of physical damage, theft and vandalism. Additionally, your policy may include coverage for personal belongings stored in your RV.
For avid travelers, you may want to consider adding extra coverage for additional risks, such as damages to awnings and custom accessories. Do you live in a RV, either part or full time? You may need extra protection, which you can discuss with your agent.