Guide To Buying An RV Insurance

by Administrator 4. June 2015 05:49

If you have a RV such as a truck camper, folding camping trailer, travel trailer with expandable ends or a fifth-wheel travel trailer, it is crucial to have it insured. RV insurance is different from auto insurance and homeowner’s insurance policies, as it combines the features of both to cover all aspects of RV.

Here are some guidelines that will help you buy the right RV insurance:

  • Liability coverage: You are required to have liability coverage even if you use the vehicle occasionally. Before buying an insurance policy, make sure it covers all potential injury claims. If your RV collides with another vehicle and damages it, the repair could be quite expensive. RV insurance pays for the damages to other vehicle and protects the driver as well.
  • Roadside assistance and towing: Make sure that your RV insurance policy offers towing and roadside assistance because towing an RV can be quite expensive. It should also include emergency expense coverage, which covers temporary living quarters if your RV breaks down. It should also cover the cost of returning the RV to the home following an accident or breakdown when you are 50 miles away from your home.
  • Stolen or totaled: ‘Agreed Value’ coverage means the insurance provider agrees upon an amount that will be paid to the insured in an event of total loss or theft.
  • Total loss replacement coverage: You can also consider ‘Total Loss Replacement’ coverage as it offers to provide a new RV to the policyholder in case there is total loss or theft of the RV that is under five years old.
  • Personal effects coverage: A specialty RV insurance policy offers personal effects coverage, which pays to replace the stolen personal property from your RV.
  • Personal liability while on the road: This offers coverage for any trips and falls at the campsite where your RV is parked and for which you are held responsible.
  • Vacation liability coverage: This covers any injuries that occur due to an accident that occurs during the time an RV is used as a temporary vacation residence.
  • Uninsured driver insurance: This type of coverage protects the RV driver from personally paying for any damages to the RV done by an uninsured motorist.

We, at Shawn Camp Insurance Agency, Inc., can help you search for an RV insurance policy that best suits your requirements and budget. For more information about our insurance products, you can call at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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