A recreational vehicle (RV) is a type of motor vehicle that has living quarters and is used for traveling and camping. It provides a temporary accommodation for the user to do daily activities like cooking and sleeping. Some of the most popular recreational vehicles include motorhomes, campervans, coaches, caravans, fifth-wheel trailers, popup campers, and truck campers.

If you own a recreational vehicle, RV insurance is necessary as it covers liability claims in case your vehicle causes injuries to someone else or suffers any damage while you are driving. In this blog, we’ll understand why this type of insurance is important and what insurance cover you’ll get as a RV owner.

Why RV Insurance is Important for Recreational Vehicles?

Recreational Vehicle or RV insurance is a policy that protects you and your RV from various risks, and works similarly to auto insurance. It covers the cost of repairs or replacements for your RV, and also protects you from liability if you cause injuries or damage to others. No matter what type of RV you own, it is always a good idea to be insured in the case of an unexpected accident.

Here are the following RV insurance coverage for a variety of risks:

Liability Insurance Cover

If you are at fault in case of an accident that may cause damage to your vehicle or injuries to others, liability insurance provides coverage as per the policy limits. For example, if your liability coverage limits are 20/40/20, your insurer may cover up to $20,000 for partially injured persons, $40,000 for fully injured persons, and up to $20,000 for property damage per accident.

Collision Insurance Cover

The collision insurance coverage provides you financial securities in case your RV is collided with any other vehicle or object. By holding an RV insurance policy, you can avoid costly repairs or replacements of your RV from your own expense.

Comprehensive Insurance Cover

The comprehensive insurance coverage may include non-collision incidents like theft, vandalism, natural disasters, windshield damage, and accidents with animals.

Personal Belongings Insurance Cover

It provides insurance coverage of all your personal belongings in the RV you own. If you want to get a claim for your personal items, you’ll have to pay a deductible amount before the insurance company covers the remaining costs.

Medical Insurance Cover

It gives you insurance cover for medical expenses in case an accident happens to you and your family members in the RV. You don’t need to worry about medical bills and payments when holding an RV insurance policy.

Additional Insurance Cover

In addition to the insurance coverage as mentioned-above, RV insurance provides you the option of additional coverage, such as vacation liability insurance, roadside insurance, and glass replacement insurance.

Contact Whitman Insurance Agency Today!

Are you ready to insure your RV? At Whitman Insurance Agency, we provide a reliable RV insurance policy that covers your vehicle and all valuable assets associated with it. Call us today at (+1) 830-693-2900 or visit our website and schedule an appointment with our professional team of automobile insurers. We look forward to working with you!