For many families, their RV is their home away from home. However, no matter how frequently or not you utilize your RV, it is vital that you take the proper steps to protect your investment by purchasing a specialized RV insurance policy. The mistake many RV owners make is simply adding their RV to their auto insurance policy. While this offers these individuals a certain amount of protection, it can be more beneficial for these RV owners to consider upgrading to a specialized RV insurance policy. This is due to the fact that standard auto insurance policies may not cover everything you need them to. Here are just a few of the many things you should ensure are covered under your RV insurance policy.
Many insurance policies now include roadside assistance that offers towing up to a certain distance. However, these policies may not cover towing for your RV, which could be a large expense should you break down far from a town. For this reason, you will want to make sure that your RV insurance covers towing for your RV. Furthermore, you may want to consider a policy that provides temporary housing while your RV is being repaired, since, depending on where you were when you broke down, it is likely that your RV would not have been towed all the way home for repairs.
Personal Liability Coverage
When you park your RV at a campsite, you may be liable in the event that someone is injured in, on or even around your RV. However, it is also likely that your general auto insurance would not protect you during this scenario. This is where having a more specialized RV insurance policy can be beneficial as it will cover you in the event that you become responsible for someone’s injuries they acquire near your RV.
Personal Property Coverage
A standard RV insurance policy through your auto insurance would likely cover the repair or replacement of your RV should something happen to it, but it is likely that it would not cover the contents inside of your RV. Being your second home, it is likely that you store thousands of dollars in personal belongings including clothes, electronics, housewares, linens, dishes and even food inside of your RV. For this reason, you will want to ensure that you choose an insurance policy sufficient to cover the cost of replacing your personal belongings that were within your RV.
Purchasing a proper RV insurance policy is imperative for any RV owner. In the case that disaster strikes. Having an RV insurance policy will ensure you are taken care of properly and that you are able to replace what was lost to you. Contact us to find out more about RV insurance, as well as to find out how much RV insurance you need for your RV.
Get the coverage you need. Call Merritt Hall Insurance at 800-677-9180 for more information on RV insurance.