Recreation Vehicle Insurance

What’s different about RV insurance? While you need all the regular bodily injury, property damage, medical payments, uninsured or underinsured motorist, and comprehensive coverages to protect yourself and your passengers, your vehicle, and other drivers, you may also require:

• Higher limits as your vehicle can cause more damage to other vehicles and cost more to fix.
• More insurance for your contents as you are likely to have more of your personal property on board.
• Access to good towing and roadside labor coverage that can handle that type of vehicle.
• Rates that reflect that while your vehicle is on the road certain times of the year, it is in storage for part of the time.
• Full-timer coverage if you live in your vehicle more than five months of the year.
• Vacation liability at your vacation site if you are staying in the vehicle.
• Coverage in Canada and Mexico as you may cross international lines.
• Fifth wheel insurance that covers your entire hitch assembly.

In addition, you want quick claims service and easy online, call in, and mail payment methods, especially if you are on the road for long stretches of time. You also want your RV policy bundled with your car’s multi-vehicle discounts.