Owning a recreational vehicle is considered fascinating since you can easily cruise anywhere around the country. Depending on the type of recreational vehicle that you have, you may or may not require an RV insurance.
With quite a number of recreational vehicles in existence, it is important to think of the right insurance cover given the fact that a normal auto insurance policy may not be suitable for you. Most recreational vehicles double up to be both a vehicle and a home. It is for this reason that you must include equal coverage that has the homeowner’s insurance policies.
Standard recreational vehicle insurance covers:
- Bodily injury and property damage liability
- Uninsured motorist
- Personal injury protection
- Comprehensive coverage
- Collision coverage
- Limited property damage
- Property protection
Depending on the class of your RV, you might need more specialized coverage with a number of add-ons. This combined policy will help you reduce exposure to more risks and will really come in handy during the time of losses. Specialty coverage includes:
- Total loss replacement which is basically available only on preceding untitled RVs equal to one model year old. Any other RV is insured for an actual cash value or agreed value.
- Custom equipment. This is a vital coverage for RVs with upgraded custom parts. After upgrading your RV interior or exterior it is advisable to increase your standard limit.
- Vacation liability which is mostly available for pleasure users pays to a specified limit for property damage and bodily injury in case of an accident which occurs when the RV is in use as a temporary vacation residence.
- Personal effects which cover your belongings while on vacation in an RV.
- Roadside assistance covers towing of a disabled RV to the nearest qualified repaired facility.
RVs are popular modes of vacations for a number of Americans lately. Know whether you need RV insurance today and what type of cover to purchase by visiting us as at Woodstock, GA, Peter Laczko Insurance Inc. Our RV insurance experts will offer you affordable rates and you’ll definitely get the best deal.
