Find RV Insurance Savings Before You Hit the Road
Spring is in the air, and if you’re like most people, you’ve been planning your next RV vacation all winter long. Now that seasonal changes have finally opened campgrounds, rivers and lakes, many households are gearing up to take the RV for a spin to enjoy some much needed time with the outdoors. Many people take this time to review their existing RV insurance policy, and some consider shopping around for better coverage. But what makes a good insurance policy for your summer mobile vacation command center?
Any comprehensive RV insurance policy should cover the following:
Liability: For RV owners, liability is a must, especially if your RV is driven rather than towed behind your vehicle. Not only do most states require minimum liability insurance for motorized vehicles, but one accident with a heavy fifth-wheel can cause extensive damage to third parties. If you travel extensively with your RV, you may want to consider purchasing higher liability limits or an umbrella insurance policy that can offer additional protection. Nearly 85 percent of lawsuits stem from vehicle crashes, according to the Association of Trial Lawyers of America.
Collision: RV insurance should also cover any crashes you may experience with another motorist. This type of vital insurance coverage can help you make swift repairs to your RV following a collision.
Comprehensive: This kind of coverage can help you make repairs to or replace your RV if it is damaged or totaled by fire, severe weather, theft, vandalism, or any other covered event.
Specialized coverage: Full-timers coverage for those road warriors who live in their RVs year-round is imperative. These policies operate much more like homeowners insurance than a vehicle insurance policy. Campground coverage can help protect you while you’re on an extended vacation.
Another important aspect to review before you take the RV out for the first time this summer is if the rates you are paying now are as affordable as they come. Our knowledgeable agents can help you compare RV insurance policies from a number of providers, enabling you to find the best coverage at the most affordable rates. Contact us to find out how you can vacation with peace of mind. Use the savings you realize by shopping around with our agency to plan your next vacation.