Recreational Vehicle Insurance

If you own a recreational vehicle (RV), it’s essential to have insurance to protect your investment. Recreational vehicles are often expensive and can be a significant financial burden to repair or replace if damaged or stolen. RV insurance can provide peace of mind by helping to cover unexpected events. Without insurance, you would be responsible for costly incidents out of pocket.  

What Is RV Insurance? 

RV insurance helps provide coverage for recreational vehicles such as motorhomes, campers and trailers. RV insurance typically includes options for liability coverage for accidents you may cause, personal property coverage for belongings inside the RV, and medical payments coverage for injuries sustained in an accident. 

How Does RV Insurance Work? 

Generally, RV insurance may help protect the policyholder from financial losses due to damages, theft and liability claims while using the RV, depending on included policy coverages. In case of an accident, the RV insurance policy may cover the cost of repairs or replacement of the vehicle. It’s essential to have adequate RV insurance to safeguard your investment and provide peace of mind while enjoying your next adventure on the road. 

Can an RV Be Insured as Your Primary Vehicle? 

If you use your RV as your primary vehicle, it’s important to note that the insurance coverage and costs may differ from those of a traditional auto insurance policy. It’s best to consult with an insurance agent who specializes in RV insurance to ensure that you have the right coverage for your needs.  

Does RV Insurance Cover Roadside Assistance? 

Some RV insurance policies may include roadside assistance as part of their coverage, while others may offer it as an add-on; some policies may not offer it at all. It’s important to review your policy options and speak with your insurance agent to understand what roadside assistance options are available to you. Some RV clubs and organizations may also offer roadside assistance as a membership benefit. 

Contact HIS Insurance & Services to ensure you have the proper coverage for you and your RV. With our expansive knowledge and experience, we can help you get adequate coverage.