Family time together, the open road, and visiting beautiful scenery. Those are just some of the benefits of having an RV or Travel Trailer. Whether you’re a weekend warrior or a full time travel buff, there’s lots to see on the open road. Your RV is your home away from home. That’s why you need to make sure it is protected. Just like you purchase Auto or Homeowners Insurance, you need RV Insurance to cover this investment.
What is RV Insurance?
Travel trailer or RV Insurance has similar coverage to auto insurance, however it is more comprehensive and specialized for RV owners. RV Insurance is designed for the following vehicles:
- Pop-up campers
- Stationary travel trailers
- Park model travel trailers
- Truck-mounted campers
Click here to read about auto insurance.
Types of Coverage Available:
A typical policy will include the following overages:
- Comprehensive/Collision Coverage. Protects your RV from damages, such as fire, landslide, windstorm, vandalism and collision with another vehicle or objects.
- Liability-Only Travel Trailer Policy. Protects against accidental damage to other people’s property or personal injury to individuals not listed on your policy.
Because RV Insurance is specialized coverage there are additional endorsements you can purchase. These endorsements let you add extra protection not included in a standard policy. These additional option include:
- Emergency Expenses: Protection in case of a breakdown or damage to your RV or Travel Trailer.
- Accessories Endorsements: For items attached to your trailer.
- Full-timer Trailer Coverage: For those who live in their travel trailer most of the year.
- Campsite/Vacation Liability: Coverage while your travel trailer is parked in an RV park.
- Low Branch Collision: Protection against damages from low-hanging branches to your trailer, awnings, and air conditioning units.
- Towing and Roadside Assistance
- Total Loss Replacement
What Are The Benefits Of A RV Insurance Policy?
RV Insurance is specialized coverage different than auto insurance. When traveling in your RV, you will have additional items with you that you may not normally carry in your car. Jewelry, a computer, television, and camping gear are just a few examples. When you’re at a campsite, you are liable for other people’s safety around your trailer. Also, if you have an accident while traveling, you will need a place to stay while the trailer is being repaired. Without an RV Insurance policy, none of these would be covered in the event of a loss. The biggest benefit is the peace of mind you receive.
If you love the open road and seeking adventure, contact us today to get covered today.