Recreational vehicle insurance may function similarly to car insurance, but it is specialized for RVs. Those of you who have motor-homes need a customized insurance plan. Not only do you take vacations with your family in your recreational vehicle, but your RV may be your home. Tradestone Insurance Services, Inc. works with you to ensure that your RV insurance policy covers as many risk exposures as necessary to help you feel safe. Your recreational vehicle insurance premiums will vary depending on the type and amount of usage you get out of your vehicle.
What RV Insurance Covers
Your RV is more than just an automobile, which is why your personal auto policy most likely won’t provide the coverage you need to protect a vehicle that doubles as a “home away from home.” That’s why you need RV insurance to protect your investment in recreational vehicles such as:
- Conventional (Class A) motorhomes
- Professional and non-professional (Class A) bus conversions
- Camper vans (Class B)
- Fifth wheel trailers
- Mini motor homes
- Conventional trailers
- Recreational cargo trailers
- Mounted truck campers
- Pop-up tent trailers
RV insurance is designed to protect both motorized and non-motorized recreational vehicles which offer living quarters, from motorhomes to travel trailers and everything in between. Whether you drive it or tow it, you’re definitely going to want to defend it from the risks on and off the road.
Recreational vehicles are a unique combination of home and auto. That’s why RV insurance for your RV is unique, too. Your motorhome insurance and travel trailer insurance coverage includes:
- Liability coverage in the event someone is injured inside or near your RV while it’s parked at a campsite or other travel location.
- Personal belongings coverage for you clothing, outdoor gear, appliances and electronics that you keep inside your RV.
- Lodging and travel expenses if your RV is damaged and needs repairs during your travels.
When you combine RV protection with auto coverage such as collision, comprehensive, bodily injury liability, property damage liability, medical payments, and even roadside assistance, you can protect your RV and your personal assets from risks of the road. So you can spend more time making memories, and less time worrying about the unknown road ahead.