security
adventure
For many, their caravan or motorhome is their home away from home. It’s crucial to take the necessary steps to protect your investment by purchasing RV insurance. The benefits are numerous, including protection, roadside assistance, and more. We understand that insurance can be a daunting topic, we’re here to simplify it for you!
What is RV insurance?
RV insurance protects you in the event of damage or injury for which you would be responsible, also covering the costs associated with damage to your own RV in the event of an incident. Coverages vary depending on the use of your recreational vehicle, whether it is your primary residence or used recreationally. The specific coverage also depends on the type of motorhome you own, motorized or towable. Whether it’s required or not, having RV insurance is always a good idea in the event of an unexpected accident.
What are the advantages of motorhome and caravan insurance?
When you decide to purchase caravan insurance, the benefits and benefits associated with it can be confusing. Depending on your insurance company, you may have the option to choose additional coverage options such as total loss coverage, vacation liability, towing and roadside coverage, uninsured and underinsured driver protection, and more. The three main benefits of having specialized RV insurance include asset protection, liability protection, and roadside assistance.
Asset Protection
Recreational vehicles don’t come cheap, regardless of their category, and unfortunately, accidents happen. Natural threats such as hail, fire, and storms can jeopardize your investment and cause substantial damage. RV insurance can help cover physical damage caused and save additional costs. Some insurance policies also offer the option to add coverage for your personal belongings stored in your campervan.
Civil liability protection
Just like when you’re driving your car, sometimes you can be held responsible for an accident on the road or at a campsite. In the event of bodily injury or property damage, you’ll want to be covered by an insurance policy. The liability coverage of your recreational vehicle insurance can help you with expenses related to an accident.
Roadside Assistance
Roadside assistance is one of the best benefits available with many RV insurance policies. Often, RV enthusiasts find themselves in situations where their trailer or RV needs to be towed. Be sure to check if roadside assistance is included in your RV insurance policy. If not, we encourage you to check out our RV Club, which offers RV enthusiasts additional perks and privileges on their travels.
What RV insurance do I need?
Your motorhome insurance agency will help you find the policy that best suits your personal needs and any other special requirements in place. Often, the amount of coverage you need depends on several factors, including:
- The requirements of where you currently reside.
- The type of recreational vehicle you own.
- If you use your RV full-time or part-time.
- If you’ve decided to finance your campervan, your lender will likely require you to have insurance coverage for physical damage. It’s common for your lender to require certain deductibles and want to be listed as a mortgage holder on the policy.
Where can I buy RV insurance?
Assur360 can help you get a specialized RV insurance quote quickly and easily. Their insurance brokers will help you find the perfect policy from one of their partner insurers that will typically protect your A, B, or C travel trailer, travel trailer, toy rack, tent trailer, or motorhome. No matter how you travel as a family, Assur360 is here to help you get the best RV insurance policies available. Get your specialized quote online today!
