RV Insurance is similar in many respects to automobile coverage. It has the basic coverages of Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorists coverage, Medical Payments, and Comprehensive and Collision options. What makes RV insurance different is that it also has some specialized coverages that take your RV lifestyle into account.
Before getting a quote from us on your RV insurance, keep a few things in mind:
- What do you keep in your RV? If you’re a full-timer, you may keep all of your jewelry and clothing in your RV and will need a policy that covers your personal property in case of a catastrophic loss.
- Do you plan on parking at an RV campsite? You may be responsible for the area around your RV. Know where you will be camping and how many other people you come into contact with at your RV park. You may need coverage in case someone is injured on the property outside of your RV.
Special Coverages for Full-Timers
When your RV is your full-time home, it needs to be insured accordingly. Check with your Ryan Everet Insurance Agent to see what coverages they offer specifically for RV full-timers.
Some coverages that may be available include:
Storage Shed Coverage – This coverage reimburses the insured for loss, theft, or damage to storage contents under a covered loss.
Loss Assessment – An additional RV insurance coverage that will pay for assessments that are required while the insured is part of an association. This situation may arise if the RV is parked in an RV lot that is part of an association. Required improvements could be aesthetic or mechanical and designed to benefit all members of the association.
Scheduled Medical Benefits – This RV insurance coverage provides medical expense coverage up to the policy limit for others who are injured due to a covered incident while on the property occupied by the RV while it is being used as a permanent or primary residence.
Call now at 972-505-3899 or request more information by clicking here and discuss your options with a licensed Ryan Everet Insurance agent.