Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

An RV is a vehicle, but it’s so much more than that. In many ways, it’s like your home. How you use it will differ from how you use your car. You must therefore consider its unique aspects when insuring it. 

Finding RV insurance policy doesn’t have to be hard. Let one of our agents at Choice One Insurance guide you through the process of getting targeted yet affordable protection. 

Liability Insurance For Recreational Vehicles

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage

After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.

The Benefits of RV Insurance 
RVs are incredibly expensive. They usually far exceed the cost of the standard car. Therefore, you have to insure this vehicle with appropriate auto and property insurance. That will help you avoid costly losses stemming from accidents during use. 

Let’s say you have a wreck while on vacation in the vehicle. Or, maybe your RV catches fire at a camp site. Both accidents could prove harmful to you, your property and others. They also will likely create damage that is expensive to repair. If you have an RV policy, you can often get critical financial help paying for these losses. Consider coverage essential to your long-term security. 

What do RV Policies Cover? 
RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes: 

Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills. 

Keep in mind, the exact policy you need will vary. You’ll want your coverage to protect the vehicle appropriately both during travel and stationary periods. Talk to one of our agents about how to tailor your own protection to your advantage. 

Contact us today 
Don’t hesitate to get a quote on a personalized RV insurance policy right now! Contact us at (800) 547-0006 or request an online quote today!