Owning an RV certainly opens up the possibilities for exploration. However, it’s essential to understand that traveling in an RV poses some of the same risks of driving in a car, as well as unique risks that you may not have previously considered. You could still experience an accident and require insurance coverage to pay for the damages. This is why it is incredibly important to purchase RV Insurance, so you know that you have the coverage that you need should any issues arise.
RV Insurance Coverage
RVs are a ton of fun, but they also come with a particular set of risks that should be evaluated. At Southern States Insurance, we want you to be financially prepared for whatever may occur while owning your RV. Keep in mind, RV Insurance differs from Auto Insurance, in that liability may be higher, and coverage may laps while your RV is stored.
Emergency Expense Coverage
If an incident occurs when your RV becomes unlivable, you may be eligible to receive compensation for temporary residence. There are numerous costs that may fall under this category, including food expenses in certain situations. This allows a bit of assistance while you wait for your RV to be repaired.
Total Loss Replacement Coverage
RV Insurance coverage may include total loss replacement coverage. This means that you would receive the full cost of replacement if a loss occurs within the first five model years (not necessarily the first five years of ownership).
Replacement Cost Personal Effects Coverage
Replacement cost personal effects cover the costs of any lost possessions that happens at the time of an accident. This may include anything from clothing to jewelry and much more.
RV Medical Payments Coverage
RV medical payments coverage can provide financial relief for medical costs associated with an RV accident no matter whose fault the accident was.
Vacation Liability
Vacation liability is an excellent part of RV Insurance because it covers the costs associated with damages to an RV while you are using it as a temporary residence while on vacation. This can certainly remove some of the stress and help you avoid becoming stranded following an accident.
Who Should Acquire RV Insurance?
Individuals who own an RV should absolutely look into purchasing RV Insurance. You don’t want your fun and exploration to be cut short by accident. Allow an insurance policy to take away some of the unknown risks.
Speak To The Specialty Insurance Brokers
Would you like to learn more about RV Insurance? We are happy to help! At Southern States Insurance, we want our clients to understand their policies in full. We are here to answer your questions and provide expertise to help you purchase the policy that is right for you. Contact our office today for more information by giving us a call at 888.971.6304 or request a quote online.