RV insurance covers individuals who own RVs either as a vehicle used just for vacationing or for those who travel and use theirs as a primary residence.
The term “RV insurance” is a broad policy term used to cover more than just what you traditionally consider an RV. It covers motor homes including class A, B and C. It also covers motor coaches, camper vans, pop-up campers, travel trailers, fifth wheels and toy haulers.
Your policy covers your investment in ways a traditional car policy would. For instance, RV insurance includes bodily injury liability and insures you and other insured drivers in the event someone is killed in an accident that's deemed as your fault. Other aspects of coverage include property damage liability including damage done by your RV to other property or damage done to your property. You'll have collision coverage, coverage from damage from fire, theft, vandalism, flood and other non-collision-related causes.
You may opt to have the property inside your motorhome covered. It also includes medical payments coverage, personal injury protection, uninsured and underinsured motorist coverage, which covers you in case of death, injury or property damaged caused by someone who doesn't have insurance or an adequate amount to cover the damages. You may opt for towing and labor costs coverage as well.
There are other options you may choose to include as well such as vacation liability and emergency expenses. The full timer's insurance acts like a homeowner's policy if your RV is your primary residence. Your policy can even cover those who are travelling with you as well as the possessions you're bringing along during journeys.
Contact the Weber Insurance team to learn more about RV insurance and the specifics of what it covers and what is required in your state or for a free quote, contact us today. We offer comprehensive coverage, from an “A” rated company, at a rate the works for your budget.