For most drivers it is a no-brainer to purchase auto insurance in order to be safe on the highways and byways of the country. However, this can’t be said nearly as often about insurance for recreational vehicles. Many RV owners and their loved ones incorrectly assume that RVs are somehow protected under the personal homeowner insurance policy. This is usually far from the truth and often families will only discover this after an accident or some other type of loss occurs.
This kind of coverage is offered for a wide variety of recreational vehicles, including All Terrain Vehicles (ATVs), boats, golf carts, snowmobiles, jet skis, motor coaches, pop-up campers, travel trailers, and more. Good RV insurance functions similarly to auto insurance. It covers damages resulting from accidents, theft and vandalism. The coverage comprehensiveness depends upon the specific policy chosen.
In many instances, coverage for your RV can be included in your homeowner’s insurance policy, certainly if you are only keeping it idle on your property for the majority of time. However, if you have plans to drive the vehicle off your property and out onto the open road, your homeowner’s insurance will not provide adequate protection so you will need to obtain separate coverage for your recreational vehicle.
One should at least purchase the all-important liability coverage, which protects the insured from any damages that the RV might cause to another individual or property. In order to enjoy full protection, collision insurance is highly suggested by insurance professionals. Additionally, this will protect you from the damages to your own vehicle, regardless of fault. You can also buy insurance protection for theft, vandalism, personal injuries and even obtain campsite insurance and other kinds of unique and helpful options.
In order to enjoy the peace of mind in knowing that you are protected and that your RV investment is safeguarded, it is potentially wise to go for full recreational vehicle insurance coverage.
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