Why You Need RV Insurance

RVs can be big ticket items and keeping them safe isn’t that different from owning expensive homes or cars. When it comes to insuring your RV, it’s best to think of your policy as an extension of your home and car insurance.

It can be easy for RV owners to put off dealing with the dirty details and assuming their existing policies are fine, until they realize they’re not covered for something that went wrong. Some examples of this include:

• Your trailer or camper was stolen but you didn’t consider the contents and they weren’t covered under your homeowners’ insurance.
• Your camper is totaled in a collision and you realize your home insurance doesn’t cover it, so the full cost falls on you to replace it.
• Your RV has water damage and your existing insurance policy won’t cover it.
• There’s a fire in your RV but your homeowners policy won’t cover the cost of replacing the appliances.

And this doesn’t include potential costs of liability of an accident while traveling in your RV.

Choosing the Right RV Policy

One quick tip when selecting your insurance: You want to be clear on what your policy covers and doesn’t cover by knowing two things, 1) the difference between actual cash value (ACV) and replacement cost coverage, and 2) which parts of your RV are actually covered.

Periodically reviewing your RV policy is also a good idea, because rates can change quickly.

If you need a hand, our team is standing by to help. We can assist you in choosing the coverage types you need and help you find a carrier with the best rates possible. We don’t charge for consultations, so click below to get started.