It’s one of the most rewarding pastimes out there: hitting the road in your RV and driving wherever the journey takes you. But that dream vacation (or weekend) could end disastrously for your getaway and your finances if you don’t have adequate RV insurance.
Finding the best insurance agents to keep you covered whether you’re in Woodstock, GA or far away from home doesn’t have to be a headache. Learning about your RV insurance options isn’t all that bad, either. These tips will help simplify the process.
Types of Coverage Available
Total Loss Replacement: This type of coverage usually only applies to new RV’s (as in, one year old or younger). Total loss coverage will replace your RV if it’s completely totaled.
Liability: Much like auto insurance coverage, liability covers bodily injury to people in or near your RV and other people’s property damaged by your RV.
Conversions and Rare RV’s: If you’ve converted a bus into an RV or are the proud owner of a classic Airstream, you might need a slightly different type of protection. Insurance agents call this "agreed value coverage," and it means you’ll agree on an amount the vehicle is worth when you sign the policy.
Full-timer Coverage: If you live out of your RV full-time, very specific policies are available to cover the additional risks associated with long-term RV living. These policies look more like a homeowner’s policy than auto insurance.
No matter the option you choose, you’ll be glad you took the time to do your research and compare policies. Talking to an independent agent in the Woodstock area is one of the best ways to get an idea of the specific coverage you need for your situation, so don’t hesitate to call or talk to us!
