The RV life takes the hassle out of booking a hotel or renting a car when you travel. Wherever the road leads, it helps to know you have the right insurance to protect your adventurous lifestyle. At Krog Insurance, we can help you find a policy with comprehensive coverage to meet your needs.
Who Needs RV Insurance?
Regardless of whether you only recently bought your motorhome or have been crisscrossing the country for years, accidents can happen, and RV insurance can ensure you are prepared. In fact, you don’t even have to be on the road to experience a damaging loss. Even sitting in your driveway, your RV could catch fire or get smashed by a tree in the midst of a heavy storm. Having the right coverage helps you steer clear of financial hurdles caused by physical damages, total losses, and litigation.
Furthermore, the state requires a minimum amount of coverage to operate your RV as a vehicle on public roadways. You may even be subject to additional insurance requirements if you are still making payments on a loan to purchase your RV. Put simply, if you own an RV, you need insurance.
Types of RV Insurance Coverage
Your RV insurance policy will include several different types of coverage. Some protect you when you are traveling, and others protect you when you are parked, but all of them provides unique protection for a specific type of risk you face as the owner of a recreational vehicle. Your policy may include coverage for:
Bodily Injury and Property Damage Liability
State law requires liability coverage to operate a motor vehicle. That especially includes motorhomes, which can severely injure other drivers and cause major damage to other vehicles in an accident. If you are at-fault for a collision, you may be financially responsible for any injuries or property damages that occur during the accident. Bodily injury and property damage liability coverage helps pay for the associated expenses, including court costs and legal fees.
Accidents can happen anywhere – even while your RV is parked. If a guest is injured while visiting your RV or your premises, you can be held liable for the injuries. Vacation liability coverage helps pay for damages you cause while temporarily using your RV as a residence.
If you damage your RV in a collision or rollover, this type of coverage helps reimburse you for the damages regardless of who was at-fault for the accident.
Comprehensive coverage also pays for damages to your motorhome, only it is designated for losses caused by non-collision events, such as fallen objects, theft, vandalism, inclement weather, and more.
When drivers get behind the wheel without insurance, they are putting everyone else at risk – including you. If you or your passengers are injured by an uninsured driver or a hit-and-run, your uninsured motorist protection can help cover your costs. Similarly, adding underinsured motorist coverage to your policy can help pay for excess damages that remain when an at-fault driver has too little insurance to cover your medical expenses.
Medical payments coverage is no-fault protection. It pays limited benefits when you or your passengers are injured in an accident, regardless of who is to blame.
RV awnings are easily damaged and can be expensive to replace. This type of coverage helps pay for replacement of a damaged awning, as well as installation.
When you travel, you probably bring along plenty of clothing, electronics, and other personal possessions. If those things are damaged or stolen, you can file a claim against the personal belongings coverage in your RV policy instead of your homeowners insurance.
If you have a breakdown or experience some other interruption in your trip, this coverage can help provide emergency shelter, food, and transportation so that you can get home safely.
Here at Krog Insurance, we also offer insurance for smaller recreational units, including campers. Though the coverage varies from that of RV policies, it still includes many of the same protections for things like liability, physical damages, and more.
Save Money on RV and Camper Insurance
As an independent agency, we know industry tips and techniques for lowering the cost of your coverage. You can start by shopping and comparing rates on RV insurance with an independent agent. Then, consider raising your deductible to reduce your premiums. Finally, work with your agent to apply any discounts you may qualify for. Although these may vary from insurer to insurer, you may be eligible for reduced rates if you:
- Remain claims-free
- Install certain safety equipment in your RV
- Take and pass a qualified RV safety course
- Bundle your RV insurance with other lines of coverage
- Pay your premiums in full
We know what it’s like to shop for insurance and hope you are getting everything you need out of your policy. That is why we make it easy to select your policy by analyzing your unique risk exposures. We consider many factors when recommending RV coverage, including:
- Where you travel in your RV
- The type of RV or camper you own
- Who travels with you
- How frequently you travel in your RV
- Where you store your RV or camper
- And more
If you are in the market for a new RV insurance policy, let Krog Insurance help you find what you’re looking for. Contact our office today to request your free quote. We look forward to serving you soon.