Many recreational vehicles are partially covered by existing auto insurance policies. However, these policies are not specific to RVs, often leave out vital coverage, and do not provide enough protection. That is why it is important to invest in recreational vehicles insurance. Whether someone lives in their RV permanently, or will be using it for an extended vacation, it is vital that the vehicle is fully insured.
Benefits of RV Insurance
Recreational vehicles insurance is specialized to cover an individual’s RV to the fullest extent. Types of coverage that would not be in a regular auto policy, but are very pertinent to RVs, include:
• Coverage for clothes, camping items, valuables, and other personal property located inside the RV.
• Coverage for someone getting hurt while they are inside or near your RV.
• Coverage that takes care of your housing expenses if your RV is damaged or stolen while you are on the road or living in it.
RV Insurance Amenities
Some of the amenities included in RV insurance coverage include total compensation for the RV’s value, emergency expenses for those who have to find accommodation at short notice, complete cash payment or replacement of items that were inside the RV, and 24/7 roadside assistance.
Types of Vehicles
RV Insurance covers motor homes (class A, B, C), professional buses, non professional buses, motor coaches, and camper vans. There is no coverage available for travel trailers, which may be portable but are not classified as a vehicle.
If a recreational vehicle is to qualify for RV insurance, it must have cooking appliances, a fridge, a bathroom, heating or air conditioning, a water supply and a working electrical system. If one of these things is missing, your vehicle may not qualify for RV coverage.
Who Benefits From This Coverage?
RV insurance is great for two types of people: those who regularly live in their recreational vehicle and vacationers. The types and levels of coverage may differ, with regular RV dwellers having more property inside the RV to protect. However, comprehensive RV insurance is important no matter how frequently a person uses their RV.