Owning an RV gives you the option of having the best of both worlds – getting close to nature, while still having all the luxuries and comforts of home.
When it comes to insuring your RV, you’ll need to consider more than a standard auto policy. To put it in perspective, consider that an RV is a place where you live, although temporarily, so you’ll need to consider many of the same protections as you would with your home.
Standard RV policies for travel trailers, campers, and motorhomes do include liability, comprehensive/collision, uninsured motorist, medical payments. But you’ll also need to consider protection for:
- Storage: You’ll need coverage for fire, natural disasters – and even animals!
- Personal Effects: Just like your home, your RV contain personal valuables that will need protection against theft, fire, and water
- Accessory Coverage: RVs demand lots of “extras” including a trailer, stairs, awnings, levelers and antennas, generator – and even a golf cart. Be sure your RV policy extends to this vital equipment too
- Personal Liability: Similar to a home, you’ll need to be sure you have coverage to cover any injuries someone could have if they get hurt or injured in or around your RV
- Roadside assistance: An RV can breakdown in the middle of the open road, miles from home, and will likely be an expensive disaster. Towing an RV will be expensive, requiring special road trucks. You’ll also need help finding a qualified mechanic, and securing your family’s, and your belongings’ safety, during the repair
There are many things to consider when selecting the right RV insurance. But one thing is certain: you’ve made a huge investment in your RV, and you’ll want to do everything you can to protect this investment.
Contact a Cole Harrison agent to help you purchase the specialized coverage you need.