Recreational Vehicles Insurance provides you with important coverage when you need protection for on-and off-road recreational vehicles including motorhomes and campers. If you own an automobile, then you have auto insurance. Likewise, if you own a recreational vehicle, you need to be protected in case of an accident, theft, or other damage. This insurance keeps your motorhome and other recreational vehicles covered. This leaves you free to enjoy your adventure without worrying about the financial costs of an accident or damage.
Who is it for?
This insurance is for anyone who owns a recreational vehicle, such as a motorhome, fifth wheel, camper, or sport-utility vehicle as most automobile policies don’t provide adequate coverage for these vehicles. Specialized recreational vehicle insurance ensures that your recreational vehicle is covered.
How it works
Recreational vehicle insurance provides coverage for your recreational vehicle in the event that you have an accident. Many policies will often cover fire, hail, flood, theft, and other types of damage.
Different Types of Coverage
A variety of different types of coverages is available. It is best to speak to an insurance agent to determine the ideal coverage for your needs. Here are some of the most common coverages:
Comprehensive provides coverage for any sudden, direct, and accidental loss, such as collision, smoke, fire, hail, landslide, theft, animals, smoke, fire, hail, and flood among others.
Coverage for Attached Accessories
This coverage insures attached accessories, including satellite dishes, TV antennas, and awnings.
Total Loss Replacement Coverage
This optional coverage protects your motor home from depreciation. If your new motor home is destroyed within its first five years, this coverage will replace it with a new one of similar kind and quality.
Emergency Expenses Coverage
Emergency expenses coverage typically pays for travel home or hotel costs if your motorhome is destroyed or damaged more than 50 miles from home.
Towing and Roadside Assistance
This is typically an optional coverage available on certain recreational vehicle plans. It often includes fuel delivery, jump starts, flat tire changes, towing, roadside service, locksmith services, and flat tire changes.
The major benefits of recreational vehicle insurance are peace of mind knowing that you are covered in case of an accident or other loss. Other benefits include no out of pocket expenses for towing, flat tire changes and other roadside services when you purchase a towing and roadside assistance plan.