What Does RV Insurance Cover?
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What does RV insurance cover? Can you get compensated for medical expenses, lost property, and the ability to work if involved in a bad accident? How do you file a claim?
Getting into a motorhome accident can ruin any holiday, or in the case of full-time RVers, wreak havoc on your reality. Insurance is essential in these situations, so knowing what you have coverage for will help you make the best decision and create a suitable financial plan.
But, what does camper insurance cover?
Here’s everything you need to know.
Types of RV Insurance Coverage
Before delving any further, it’s important to note that not all RV insurance is created equal. There are actually many coverage levels, which we will detail below.
Comprehensive
What does comprehensive RV insurance cover? As the name suggests, this policy covers theft, vandalism, windscreen damage, acts of nature, and (almost) all other types of incidents.
Collision
If you have collision insurance, you’re protected if you crash against another moving vehicle or stationary object.
Liability
Nearly every state requires liability insurance, which covers damages that any third parties suffer in the accident, if you are found liable for the accident that is.
Medical Payments
This type of coverage pays for medical bills you and your passengers may have as a result. With that said, there may be exceptions, so make sure to clarify this with your insurance provider before signing on the dotted line.
Full-Time RV Insurance
Last but not least, this is a type of insurance designed for people who live in RVs full-time, so it has features that are similar to both traditional motorhome and house insurance.
How Does RV Insurance Work?
What does travel trailer insurance cover? Do these RVs also fall under the same type of insurance as motorhomes?
As we mentioned earlier, you’ll need to contact your provider in order to figure out the exact type of insurance you have available. As for the latter, yes, travel trailers fall under the same category as RVs, but make sure to clarify the type of motorhome when purchasing insurance for your provider.
How Much Does RV Insurance Cost?
RV insurance rates vary greatly depending on your location, RV model, provider, and motorhome. Some individuals pay as little as $200 per year, while others with comprehensive insurance can pay upwards of $2000 annually.
To get the best rates, contact your current insurance provider to get a quote. Once you have this, use it as a baseline, start getting quotes from different providers, and compare them before making the best choice.
Finding the Right RV Insurance and Motorhome for Your Family
Having insurance for your RV is critical, so you need to make sure you have coverage as soon as you drive out of the lot, let alone embark on a long road trip.
There are many types of RV insurance coverage, starting with comprehensive coverage which is regarded as the most complete. There are also some policies that provide only specific coverage, like liability, collision, medical payments, and full-time RV use.
If you have RV insurance but you’re not sure what you’re protected against, your best bet is to contact your provider and ask about the coverage in your current policy.
Looking for the perfect motorhome for your family? Contact Kirkland RVs today, our team of motorhome experts will be happy to help you find the best rig for your next adventure.
