You might be in a hurry to get on the road in your recreational vehicle (RV). But before you take a trip, take time to purchase recreational vehicle insurance. You need coverage so you will be financially protected should a mishap occur. Mishaps can include everything from vandalism to theft.
Basic RV Insurance
Collision and liability should be your main concern. This coverage will help if you injure someone else in an accident. It will help pay for their costs and provide you with coverage if another party files a lawsuit against you. This is important because these expenses can run into the thousands. A basic policy might also include coverage for mechanical equipment attached to the vehicle.
If you get nothing else, make sure liability coverage is at the top of your list. But if you want more extensive coverage, consider upgrading the policy. Depending on how often you travel and what you store inside your RV, you might want to extend the policy to include personal possessions. The policy can also include emergency services if your RV breaks down on a trip.
Determining Policy Size
Every RV is different. What you need for your RV might not be the same as the next person. When you are purchasing recreational vehicle insurance, make sure to consider the value of your RV, your personal possessions, where you store the vehicle, and how often you travel.