What is RV Insurance?RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance. Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability, and other disasters. FAQWhat is a travel trailer?Travel trailers are able to be towed by vehicles. They can be fifth wheels, toy haulers, tent trailers, hybrid trailers, or over-the-cab truck trailers. These types of trailers can be added to home and auto policies, or can have their own trailer policy.I am buying a travel trailer. How do I insure it?Adding your trailer to your auto policy will allow the liability insurance from your vehicle to also cover the trailer. This way, if it swings out on a turn and hits someone, your insurance will pay for the damage to the other vehicle.Adding this trailer to your home policy will protect your personal property and cover physical damages from the trailer striking the other vehicle. It will also provide you with liability insurance when it’s disconnected from the towing vehicle. If you have friends over to your trailer and someone slips inside of it, this coverage would protect you. You also have the option of purchasing a trailer policy. This is useful if you don’t own a home, or if you’d like to keep them separate. What is a motorhome?There are 3 classes of motorhome. Class A are luxury bus models, class B are camper vans, and class C are over-the-cab camper vans.I’m buying a motorhome. How do I insure it?These vehicles must be insured with their own motorhome policy. This is similar to vehicle insurance where you need to have liability insurance, and you can choose to add comprehensive and collision. Same as with vehicles whether or not you’ll need those coverages depends on the value of the motorhome and whether or not you could afford to fix or replace it out of pocket.The motorhome policy can also cover your personal items, sheds and decks, guaranteed replacement cost to get the full value of the trailer returned to you in a total loss situation, or road side assistance in case you need a tow or a boost. |
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