Why do you need insurance for your Camper or RV?
You’ll enjoy the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you’re in an accident or Camper or RV is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your Camper or RV is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- Your mCamper or RV also needs protection when it’s on land. Accidents can happen while towing a Camper or RV.
Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if your Camper or RV is in an accident, damaged or stolen?
- Is my Camper or RV covered for use year-round?
- What discounts and programs are available?
- How much medical insurance and liability coverage is enough?
- Do I have coverage if I need to have my Camper or RV in an emergency?
- What’s the process for filing and settling a claim?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
The personal Camper or RV policy covers:
- bodily injury
- property damage
- guest passenger liability
- medical payments
- theft
Liability limits start at $15,000 and can be increased to $300,000.
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other accessories.
You should talk to your insurance representative about the type of coverage that would best suit your needs.
