Recreational Vehicle

Recreational Vehicle Insurance

Recreational vehicles do more than carry you from one place to another; they transport you with an eye toward maximum fun and comfort along the way. Just because some of these vehicles are associated with playtime doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

Liability Insurance for Recreational Vehicles

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. To help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutants.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage

After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the vehicle's value. Recreational vehicle coverage can include financial compensation for physical damage, vandalism, theft, and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat, or snowmobile.

In some cases, you may consider adding specialized coverage for additional risks, including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full-time, you may need extended protection, so be sure to discuss that with your agent.