What Is Recreation Vehicle Insurance?
Whether you’re spending your golden years traveling across the country or you love escaping to the family retreat for outdoor time, recreation vehicle insurance helps to protect the things that give you an active lifestyle. RV insurance works similarly to auto insurance, offering comprehensive, liability, and collision coverage. Some policies offer additional protection similar to homeowners insurance that covers personal items, equipment, and accessories. Recreation vehicle insurance adds another layer of protection for the things you’ve worked so hard to earn.
Why Do I Need RV Insurance?
With recreation vehicle insurance, you’ll never be caught off guard with exorbitant out-of-pocket expenses in the event of an unexpected breakdown or accident. Insurance can also help keep your finances intact should you be at fault in an accident that causes property damage or injury to another person. RV owners face a number of unique risks, from animal encounters to severe weather damage, and insurance can minimize your costs when the unexpected happens.
What Does RV Insurance Cover?
Recreation vehicle insurance typically covers the RV itself, with specific coverage tailored to the unique requirements of the specific type of vehicle (i.e. camper, fifth wheel, or Class A, Class B, or Class C motorhome). While exact coverage will depend on your specific policy, common benefits include:
– Towing and roadside assistance
– Campsite and vacation coverage
– Emergency expenses
– Full-time RV residence coverage
– Uninsured and underinsured motorist coverage
But many people travel with additional “toys” like ATVs and jet skis; we offer coverage for those types of vehicles, too! We’ll connect you with a policy that provides affordable coverage for your motorcycle, boat, motorhome, trailer, or any other recreational asset.
What Questions Should I Ask My Agent?
Insurance is complicated and confusing, and we want you to feel confident that you’re paying for adequate coverage for your vehicle. We don’t want to charge you for extra coverage you don’t need, so we’ll spend time getting to know you to recommend the best policies based on your RV. Whether you decide to purchase through us or not, we encourage you to ask your agent some of the following questions:
– What will my policy cover?
– Is uninsured and underinsured motorist coverage included?
– How do I file a claim, and what can I expect with that process?
– I live in my RV full-time. Do I need any additional coverage?
– My RV has custom features. Will that affect my coverage?
At Focus1 Insurance Group, we’ll sit down with you to make sure you fully understand your recreation insurance coverage before you buy. Plus, we’re always available to update your policy when you add your next jet-ski or ATV! Call us today at 541-772-3120 for a free quote!