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Recreational Vehicle Insurance

The Importance of Recreational Vehicle Insurance

Before you learn about recreational vehicle insurance, it’s important to know what qualifies as a recreational vehicle. Insurance agencies categorize a recreational vehicle as a motorized form of transportation that’s different from a traditional passenger car or truck. It’s normally a vehicle that can also serve as a living space.

Anyone with a valid driver’s license can purchase RV insurance. But your age and driving record will affect the insurance cost. One good thing about RV insurance is you can suspend it when you’re not on the road. Collision and liability coverage can be suspended during storage.

Recreational vehicles are a huge investment. They’re on the road often, and even if you are a careful driver, that doesn’t mean everyone else is. If you are slammed by an uninsured motorist, then you could find yourself facing all kinds of expenses. Accidents can occur the more often you’re on the road and medical bills for passengers are expensive. It just makes sense to have insurance coverage for your RV.

A benefit of recreational vehicle insurance is it covers cargo you have onboard. You might have expensive belongings in your RV, such as an entertainment center, technical equipment or a satellite dish. The possibility of theft is very real. You can protect those special items by including personal items coverage.

The type of coverage you need depends on your RV. A golf cart or a dune buggy, which both count as RVs, don’t require large premium. However, liability coverage is usually a state requirement. Some RV insurance options include towing, roadside assistance, total loss replacement, emergency expenses, vacation and campsite coverage, and uninsured motorist coverage.

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