PERSONAL INSURANCE
Recreational Vehicles Insurance
How Can I Insure My Recreational Vehicles?
With the recent pandemic, it’s no surprise that RV sales have been on the rise. Recreational vehicles can be a fun way to travel or camp with family and friends, and more people are choosing to purchase them for these purposes. As costly as these vehicles can be, you don’t want to be left paying out of pocket if something happens to your RV. An RV insurance policy is the best way to protect you in a loss. Here is everything you need to know about this vital insurance policy.
What Is An RV?
There are many variations of recreational vehicles, and they are often broken down into different classes:
- Class A – These are large motorized homes as large as 75 feet in length.
- Class B – These RVs may be commonly referred to as camper vans. They are smaller than Class A vehicles and are about the size of a large van.
- Class C – A class C motorhome is between classes A and B. They are smaller than a class A, but larger than a class B and have a sleeping area that overhangs the central part of the van.
Non-motorized and towable options exist as well, such as travel trailers or fifth wheels. A standard car insurance policy isn’t sufficient regardless of which type of RV you own.
What Does RV Insurance Cover?
You will have different insurance needs depending on the class of RV you own. Since most RVs can be driven, liability coverage is often required for these vehicles. As such, RV policies will offer similar coverages to your auto policy:
- Bodily Injury
- Property Damage
- Uninsured/Underinsured Motorist
- Medical Payments
If your RV is a travel trailer or any other towable RV, the liability coverage will usually extend from the car/truck you are using to tow. An RV policy for these towable RVs is primarily utilized for additional coverages.
Optional RV Insurance Coverages
Since you can do more than drive your RV, there are some optional coverages that RV insurance policies will offer. The following coverages are typically offered and should be considered:
- Personal Effects– Similar to how a homeowners policy will cover personal property, an RV policy will often offer coverage for your personal effects. Items such as your personal belongings, cooking equipment, and anything unattached to your RV are examples of what would be covered under this category. Some companies may also offer replacement cost, which provides you the reassurance that your personal property would be replaced without depreciation if they are in a loss.
- Vacation Liability– This coverage will pay for any bodily injury or property damage that may occur at your vacation site if your RV is being used as a temporary residence. This coverage is similar to the liability coverage offered under a homeowners policy.
- Emergency Expenses– Many companies will offer some coverage for hotels or transportation in the event of a loss.
- Roadside Assistance- Some companies may also offer roadside assistance to cover any trip interruption when you are on the road.
Final Thoughts
With so many different RVs to choose from, it’s important to know what coverage is right for you. Talk to the insurance experts at The Craven Agency who can guide you in the right direction to ensure your recreational vehicles are covered. Call or email us for a quote!
Contact The Craven Agency today! Serving Shreveport, Bossier City, Minden, Ruston, Monroe and the surrounding communities in Louisiana and the Ark-La-Tex regions.
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