Comprehensive Guide to Recreational Vehicle (RV) Insurance: Protection for Your Adventures
Your RV is more than just a vehicle. It is a HOME and an ADVENTURE. It is a lifestyle! Before you pull out onto the highway, the first thing you need to do after buying your RV and getting it ready to go is to protect your investment with RV insurance.
Impound the RV insurance because it’s the law and because RV insurance is security for your rolling home! And so what does RV insurance covers?? Peruse the following: Why do you need RV liability insurance? Because you need a reason to be away from your RV! And why do you need RV insurance coverage collision??? RV collision insurance is your best friend because if you collide with other RVs or with any other objects out there on the road, your RV is high-centered!! While we are on it, what about RV insurance coverage with comprehensive??? Comprehensive insurance gives you all-encompassing coverage for all losses to the property and all damages to the vehicle caused by anything other than collision or RV insurance???
Most important is liability coverage, as it will cover you if you are at fault in an accident and should someone be injured and/or their cars or homes be damaged. Without this coverage, you may incur steep medical and legal bills as well.
And what about you? It doesn’t matter here that I’m talking about legal protection – there are policies for that And what about you? What are your needs to be protected from trouble and pain? That’s where you’d consider something like a full policy, one that provides protection against a collision but also possibly for theft or a natural disaster such as an earthquake or a tornado.
Oh, and personal belongings coverage! Like traditional homeowners coverage, much of your RV is full of costly, personal items, from rings to laptops to furniture that you’d want to replace and repair should you have them stolen or destroyed while using your RV. Personal belongings coverage does exactly that.
Or emergency expense insurance! Imagine if your car left you stranded by breaking down or if you were in an accident and needed to be towed. You would be out of town with no money. Your emergency expense insurance would help you pay to tow the car or call roadside assistance, but it could also help pay for a motel if you can’t drive your car yet.
But what if you do live in your RV all the time?! Then you need full-timers coverage! This is full-timers coverage specifically for full-time RVers. It pays extra amounts for things a full-timer would need, like personal liability and other things.
And then: for me: how much you figure that’s gonna be for? Car insurance, I know, but RV insurance? What the hell is RV insurance? I don’t even know what RV insurance is [sounds like he might be driving the RV while asking this question?!] … How much you figure the RV insurance gonna be?
How much does RV insurance cost!?! Well, it … depends. How much do RVs cost? How much can you afford? How much do you need to cover? Oh my God. Okay, sorry. How much does any insurance cost? I don’t know. It depends. What kind of RV are you driving? How much is it worth? What happened with your last driving record? And what kind of coverage do you want?
But at the same time, remember that, while the cheapest policy might be tempting, it’s still no good to underinsure – a small accident, or an unforeseen event can still be extremely expensive if the payout from your insurer isn’t large enough!
Thus, before you embark on your journey in your recreational vehicle, you should be familiar with your policy and the type of coverages you have available to you.
