Recreational Vehicle Insurance
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Recreational Vehicle Insurance Information
Your recreational vehicle (RV) can allow you to enjoy exploring the world while also enjoying convenient lodging and many of the comforts of home. However, like all motor vehicles, owning and operating an RV requires you to account for various risks and exposures. With this in mind, RV insurance should be considered a top priority.
What Does RV Liability Insurance Cover?
Liability coverage is an integral component of an adequate RV insurance policy. This type of coverage can typically be broken down into the following types:
- Bodily injury liability coverage—This part of your RV insurance may render financial aid if you are at fault for an accident on the road from which other parties, such as fellow motorists or pedestrians, accrue injuries. In response to such situations, your coverage may help pay for affected parties’ medical bills and financial losses.
- Property damage liability coverage—If you are at fault for an accident on the road that damages another party’s property, such as other vehicles, buildings or fences, this coverage may help compensate them for their damages.
- Vacation and campsite liability coverage—This coverage may provide financial assistance if another party, such as a guest or fellow camper, is involved in an incident in or around your parked RV.
What Is the Difference Between Collision and Comprehensive RV Coverage?
In addition to liability coverage for third-party losses, an adequate RV insurance policy should typically include financial protection from incidents involving your vehicle. With this in mind, understanding and maintaining the following coverages is crucial:
- Collision coverage—As its name suggests, this feature of RV insurance can help pay for damages sustained by your RV from collisions, such as striking another vehicle or stationary object.
- Comprehensive coverage—This coverage can financially safeguard you and your RV from noncollision incidents, such as fires, severe weather and criminal activity (e.g., theft and vandalism).
Is RV Insurance Required?
Your legal obligations regarding RV insurance may vary significantly depending on your unique circumstances, including your location, where you plan to travel and the specific details of your vehicle. In most cases, liability coverage is required throughout the United States, although travel trailers that are towed rather than driven themselves may be able to be insured through the towing vehicle. If you plan to travel across international borders, such as to Mexico, you should also be aware that separate RV insurance policies are typically required. A qualified insurance professional can help you identify any applicable RV insurance requirements and ensure that you are in compliance.
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At Exceed Insurance, we have over two decades of experience helping families, individuals and businesses secure optimal coverage solutions. Contact us today to get a personalized quote or learn more.