What is Recreational Vehicles Insurance?
Recreational vehicle insurance covers recreational vehicles that are motorized and towable. Recreational vehicles are used for long-distance travel, and are likely to experience more mishaps. This is why recreational vehicle coverage is not the same as regular auto insurance.
This type of insurance is for class A, class B, and class C motor homes. Recreational vehicles that you haul, like truck campers and travel trailers are eligible for coverage as well. Check your local laws and regulations to see if you need to obtain a commercial driver’s license.
The insurance company will check your RV before you are allowed to purchase insurance. They will also want to know how often you plan to travel, how far you plan to travel, and if you have flammable substances on board. All of this will affect your insurance rate.
Types of Coverage
Motorized RVs should have a liability policy. This helps pay for medical bills of injured passengers and drivers. You may also want collision and comprehensive coverage. This is good for all types of RVs. With this coverage, you will get help paying for mechanical and cosmetic repairs. You should also inquire about roadside assistance for RVs driven to remote locations.
Recreational vehicles are expensive to repair, maintain and operate. This is why recreational vehicle insurance is a good investment. You will get help to pay for various expenses.