Recreational Vehicle Insurance

Embarking on the open road with your recreational vehicle (RV) is an exhilarating experience, offering freedom, adventure and the opportunity to explore new horizons. However, as with any journey, it’s essential to anticipate perils. One way to prepare is by obtaining an RV insurance policy.

What Does RV Insurance Cover?

RV insurance policies typically include the following:

• Collision insurance helps offset the expenses resulting from collisions.
• Comprehensive insurance helps cover costs unrelated to an accident, such as theft or vandalism.
• Bodily injury and property damage liability helps cover expenses for property damage or bodily injuries you may inadvertently cause to others while operating your RV. This might also encompass legal costs stemming from the accident.
• Uninsured/underinsured property damage and bodily injury helps cover repair or replacement costs if you are in an accident with a driver who doesn’t have appropriate insurance coverage. This coverage may also help pay for medical expenses that happened as a result of the accident.

The following are additional coverages to consider:

• Roadside assistance
• Safety glass replacement
• Towing and labor

How Much Is RV Insurance?

The following factors may determine RV insurance rates:

• Type, age and condition of the RV
• Whether the RV is used for temporary recreation or as a permanent residence
• Location
• The types of coverage you choose
• Driving experience

• Driving record
• Claims history

Is RV Insurance Worth It?

Whether RV insurance is worth it depends on your circumstances and preferences. It’s a good idea to weigh the potential risks and benefits. Contact Carter Thompson, Inc. to speak with an insurance agent and get personalized RV insurance advice.