It’s a common mistake to forget to purchase RV insurance. Still, you might wonder what RV insurance typically covers. Is it worth buying for your recreation vehicle? Find out why this type of insurance is necessary.
Bodily Injury Liability
Required by most states, this coverage protects you if you cause an accident that harms another person. It helps pay for the other person’s medical bills, and in some cases, funeral costs, if the accident resulted in death.
Property Damage Liability
Also required by most states, you must have property damage coverage on your RV to protect yourself and others if you damage another vehicle. This insurance pays for any sort of destruction that is your fault.
Collision Coverage
Regardless of who is at fault in an accident, collision coverage pays for damage to your vehicle. It’s always wise to have collision coverage because all sorts of types of accidents exist. Whether you’re the victim of a hit and run or are falsely accused of causing an accident, collision coverage will help finance your repair.
Comprehensive Coverage
Your RV can become damaged by more than accidents. Especially when you’re parking it under trees in the woods, anything from weather to critters may destroy your camper. Comprehensive coverage covers everything outside of accidents with other vehicles, including:
- Vandalism
- Storms
- Falling objects
- Fire
- Theft
- Floods
Under or Uninsured Property Liability
If you get in an accident with someone who doesn’t have insurance or doesn’t have adequate insurance to cover damages, you can purchase extra to supplement it. It will protect you when someone else causes an accident.
Medical Payments
Regardless of why an accident occurred, medical insurance covers the bills of everyone in the vehicle. Typically, this insurance is only for motorized homes.
Campsite and Vacation Coverage
If you use your camper like a vacation property, acquire campsite or vacation insurance. Work with an agent who will find a policy for your RV.
Full-Time Residence Coverage
Living in your RV full-time is the dream. Like any home, it requires insurance, so the inhabitants are protected. Though this insurance is more expensive than vehicle insurance, remember that it’s like coverage for your house.
Knowing what RV insurance typically covers may give you more confidence to invest. If you’re looking for RV insurance in California, turn to the agents at Saferoad Insurance to help you find the best policy. Get covered before you find yourself in an accident from which you can’t recover.