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Recreational Vehicles Insurance


Your RV is different than any other car or truck you own, and this means that you will need a specialized insurance policy before you get behind the wheel. Recreational vehicles insurance not only protects the mechanical components of your RV, but it will also provide you with coverage for all of the possessions that you have inside. Read ahead for a quick glimpse at the basics of RV insurance and what you can do to maximize your coverage.

Coverage Requirements

Your RV must be registered and insured well before you take your first trip. Just as with regular passenger vehicles, drivers will need to meet minimum insurance requirements that have been set by the state. These basic policies are often referred to as liability insurance, and they will provide you with financial assistance in the event of an accident or injury. If you are found to be at fault for a collision, this type of policy will help you cover some or all of the medical bills and legal fees for the other party.

Insurance Designed for RV Owners

What makes this insurance so unique is the fact that it is actually a blend of home and auto insurance. Due to the fact that you and your loved ones will most likely be sleeping in the RV or potentially even taking it on trips across the country, you most have coverage that extends over to any guests who are visiting, your camping spots, and even the gear you store in the vehicle. Unlike smaller personal vehicles, RVs often have thousands of dollars in possessions inside of them, and most of these items should be covered.

Hit the Road With a Comprehensive Policy

Breakdowns, theft, and vandalism are all situations that you should be prepared for when you hit the road in your RV. This is why RV owners typically opt for comprehensive coverage in the form of an umbrella policy. Many of these policies now offer a variety of useful features including roadside assistance, towing, and even coverage for your lodging expenses if the vehicle is damaged.