RV insurance coverage is for vehicles that can be classified as mobile homes or recreational vehicles. Should this kind of property be damaged, or any people injured, this policy provides protection for the owner. Recreational vehicle insurance provides coverage for total loss replacement, property damage, bodily injury and medical expenses, if necessary.
Anyone who owns a motorhome or certain sports utility vehicles is a candidate for this kind of policy. Type A, Type B or Type C motorhomes can be protected under this policy. Most travel trailers and campers are also covered with an RV policy.
If your RV cannot be used on a trip as intended, then alternative arrangements must be made so that you and your family can be accommodated. This kind of policy helps with those costs. Should there be a serious accident where multiple parties are hurt, you don’t have to be liable for the damage caused if protected by an RV policy. If the vehicle breaks down, the recreational vehicle itself and the towing fees are taken care of as a part of these plans. If personal belongings inside the vehicle are damaged in an accident, this policy will pay for the replacement of those items. If your vehicle is damaged while being parked on a site, the policy will also cover for these repairs. Emergency expenses like hotel or transportation can also be paid for when the vehicle cannot be used. If occupants are injured in the vehicle, medical treatment and other expenses are provided for by the policy.
There are several different kinds of coverage available for an RV owner. Roadside assistance provides emergency towing. Medical payments coverage gives protection in case any passengers are hurt in an accident. Towing and labor are paid for if there is some sort of trip interruption. Vacation liability pays out for a specified amount of damage if the vehicle driver is responsible for damage while it is parked and being utilized as a residence. Bodily and property damage protection pays for the cost of replacing damaged property, medical expenses, lost wages and any other damages that are the result of an accident.
The RV policy protects you from incurring costs for property damage you’re responsible for the incident. You can have the peace of mind of knowing that medical expenses or property damage costs are handled.