Toy Vehicles

Owning and traveling in a recreational vehicle (RV) can be a convenient and enjoyable way to explore the world. Your RV can offer opportunities to journey across the United States and beyond without worrying about lodging. Furthermore, your vehicle may include many of the same comforts as a traditional home. Given the opportunities it affords and its financial value, your RV must be adequately insured by RV coverage. 

What Is RV Insurance and Why Is It Important? 

Like all motor vehicles, RVs include significant risks and exposures. Even the most experienced and careful drivers may eventually be involved in accidents that could incur substantial financial ramifications. Furthermore, your RV doubling as a temporary or permanent residence could also subject it to additional perils, such as burglary and fires. Without suitable RV insurance, a single slip of a tire or lapse in attention could impose insurmountable out-of-pocket costs. 

What Does RV Insurance Typically Cover? 

With many risks and exposures to account for, your RV insurance policy must be suitably versatile. Fortunately, this coverage can generally be customized to suit your needs and unique circumstances. In most cases, the following coverages may be available: 

• Bodily injury liability—If you are responsible for an accident on the road that injures someone else, this coverage can help pay for resulting losses, including medical bills and lost or reduced income
• Property damage liability—This coverage can help pay for third-party losses if you are at fault for an accident that damages their property, including other vehicles or buildings. 
• Collision—This coverage can provide financial assistance if your RV is damaged in a collision with another vehicle or stationary object, such as buildings, signposts and guardrails.
• Comprehensive—This component of your policy can help pay for your losses if your RV is damaged by an incident not included in collision coverage, such as fires, hail or vandalism.
• Medical payments—This coverage, also known as MedPay, can help pay for health care costs if you or your passengers are injured in an accident, regardless of who was at fault.
• Uninsured/underinsured motorist coverage—If another party is at fault for an accident but lacks sufficient insurance, this coverage can bridge the gap and make sure you are fairly compensated.
• Personal property coverage—This coverage can provide financial protection for belongings being stored or transported in your RV.
• Campsite and vacation liability coverage—If you are responsible for an incident while parked at a campsite, this coverage can help pay for affected parties’ losses. 

What Types of RVs Are Covered by RV Insurance? 

RVs come in many forms. Fortunately, this coverage can often be tailored to provide coverage for the following: 

• Motorhomes
• Campers
• Travel trailers 

Your policy may also be able to provide financial protection for equipment used to tow your RV, such as fifth wheels. 

Get the Right Coverage 

At P&C Insurance Services, our agents have over two decades of experience servicing the coverage needs of individuals, families and businesses. We will draw on that extensive knowledge to assess your circumstances, explore your options and assemble an optimal RV insurance policy. Contact us today to get started.