RV Insurance

Owning a recreational vehicle (RV) opens possibilities for you and your passengers. Whether you have a camper, trailer, fifth-wheel or motorhome, these vehicles can provide a home on wheels that allows you to enjoy the road and explore the continent without worrying about lodging. However, while RVs may be exciting and enjoyable, they also involve significant risks and exposures. Furthermore, these vehicles may be costly to repair or replace, so accidents and other incidents could have extensive financial ramifications.

Given these circumstances and the inherent risk levels for even the most experienced and responsible RV owners, appropriate RV insurance is essential.

What Is RV Insurance?

RV insurance is a specialized type of coverage that can financially protect your property and vehicle. RV insurance policies may include many of the same components as standard auto insurance you might purchase for your car; however, additional financial protections may also be available. RV insurance carriers can work with you to assess your coverage needs and present options that may be customized to suit your requirements, as well as your risk tolerance preferences and budgetary capabilities.

How Does RV Insurance Work?

Like many insurance products, RV insurance policies establish legal agreements between vehicle owners and RV insurance companies. After making coverage selections and finalizing a policy, insureds are responsible for paying regular (e.g., monthly or annual) premiums. By doing so, policyholders retain the right to file a claim against their coverage following covered incidents. If approved, these claims can provide a payout that can help limit out-of-pocket losses.

What Does RV Insurance Cover?

RV insurance can provide financial protection after many common incidents involving your vehicle. To ensure comprehensive coverage, consider including the following features in your policy:

• Bodily injury liability coverage can help pay for third-party medical bills and other financial losses if you are at fault for an accident on the road.
• Property damage liability coverage can compensate other parties if you are responsible for damaging their property, including vehicles or buildings.
• Medical payments coverage may pay for health care costs if you or your passengers are injured in an accident.
• Collision coverage can compensate you for damage to your vehicle caused by a crash.
• Comprehensive coverage may financially protect your RV from noncollision incidents, such as fires, theft and vandalism.
• Uninsured/underinsured motorist coverage can ensure you recoup your losses even if the at-fault party lacks adequate insurance.
• Vacation and campsite liability coverage can offer financial security regarding incidents occurring in or around your RV while parked.

Get the Right Coverage

Northwest Classic Insurance has served motorists, families and businesses in the Apache Junction area since 1995. Contact us today to learn more or to get a personalized RV insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.