Recreational Vehicle Insurance
One of the most crucial responsibilities of a recreational vehicle (RV) owner is having your RV adequately insured. Recreational Vehicle insurance is essential for covering various situations that may lead to costly expenses.
Does Auto Insurance Cover My RV?
Auto insurance typically does not cover RVs in the same way it covers standard vehicles. If you plan to use your RV for recreational purposes, you need an RV insurance policy that may cover damage, liability and personal belongings. Some auto insurance companies offer options to add RV coverage to your existing policy, but checking the specifics with your insurer is essential.
What Does RV Insurance Cover?
RV insurance offers a range of coverages that may keep you and your vehicle financially protected. Common coverages include the following:
- Collision coverage may cover repair costs if your RV is damaged in an accident.
- Comprehensive coverage may provide financial aid following noncollision events, including burglary, fire and theft.
- Liability coverage may cover damages if you’re responsible for injuries or property damage to others while using your RV.
- Uninsured/underinsured motorist coverage may reimburse your expenses if you’re hit by an at-fault driver with insufficient insurance.
- Medical payments coverage may pay medical bills for you and your passengers after an accident.
- Emergency expenses coverage may cover hotel stays, meals and other related costs if your RV becomes unusable due to an accident.
- Personal belongings coverage may provide funds to help replace possessions inside your RV, such as clothes and electronics.
- Roadside assistance coverage may provide certain services if your RV breaks down, including towing and minor repairs.
Get Covered Today
Learn more about the many benefits of RV insurance with Crume-Evans Insurance. Our agents can discuss your options and help tailor your ideal policy. Contact us today.