Everything You Need to Know About RV Insurance

by Administrator 26. September 2022 04:39

RV insurance is specifically created to protect your RV from the financial loss incurred due to unfortunate events like accident, weather damage, theft, vandalism and more.

Here are some basics that you need to know about before insuring your RV.

Benefits of RV Insurance

  • Allows protecting your passengers
  • Prevents financial strain
  • Safeguards your possessions (in the RV)
  • Stress-free travel
  • Can be customized as per the usage and need
  • It is mandatory to carry RV insurance to avoid legal penalties
Types of Recreational Vehicle

Different RV classes have different insurance requirements. Here is the breakdown of RV classifications to help you choose right RV insurance.
  • Class A: These are big, ultra-luxurious RVs, featuring loads of amenities; also known as motorhomes.
  • Class B: These are much smaller RVs, called campervans or sleeper vans.
  • Class C: These are fuel-efficient & less expensive campervans built on a truck or van chassis.
  • Towable RV: Towable RVs include fifth wheel travel trailers, toy haulers, travel trailers with expandable ends, pop-ups, folding camper trailers and truck campers.
Cost of RV Insurance

Cost of your RV insurance depends on numerous factors like the class of vehicle, usage, driving history, plan you choose, etc.

Coverages Provided Under RV Insurance

Bodily Injury Liability: In case you are at fault for an accident, RV Insurance covers accident-related third-party expenses including medical payments.

Property Damage Liability: RV Insurance coverage provides a financial safety net and pays for the damages caused to another person’s vehicle or property. It also safeguards your RV and possessions such as clothing, jewelry, binoculars, laptops, camcorders, etc. inside the RV when you are traveling.

Comprehensive & Collision Options: RV Insurance pays for collision & non-collision damage caused due to unfortunate events like accidents, theft, fire, storms, vandalism, and other natural disasters. 

Medical Payments: Regardless of who is at fault, RV insurance covers all the medical bills (up to your chosen policy limits) of the passengers you are carrying in the occurrence of an accident.

Optional/Additional RV Insurance Coverages

You can choose to add optional RV insurance coverages such as:
  • Roadside Assistance
  • Uninsured/Underinsured Motorists
  • Emergency Expense
  • Replacement Cost Personal Effects
  • Vacation Liability..etc.
Shawn Camp Insurance Agency, Inc. is one of the most trusted insurance agencies providing comprehensive insurance plans/options including RV Insurance in Killeen, TX. To know more about RV insurance coverage, browse through www.shawncampinsurance.com. You can also visit us at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas - 76542.

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