At HighPointe Insurance Services LLC in Overland Park, KS, we understand that RV owners have many questions about their insurance coverage. One of the most common questions we hear is whether RV insurance covers items being towed.
Here’s what you need to know about coverage for towing items behind your RV:
Overview of RV Insurance Coverage
RV insurance can cover many things, from liability coverage if you cause an accident to comprehensive coverage for damage due to fire, theft, or natural disasters. For items being towed behind your RV, consider the complexity of the coverage.
Towing Items with RV Insurance
When towing something behind your RV, it’s essential to understand what your insurance covers. In most cases, your RV insurance policy will include liability coverage for damage you cause to other people’s property while towing something. However, with damage or theft of the items you’re towing, coverage can be more limited.
Additional Coverage for Towed Items
Several options are available if you want more protection for the items you tow behind your RV. You could consider adding additional coverage to your RV insurance policy, specifically for the items being towed, or purchase a separate insurance policy. For example, if you’re towing a boat, you may need a different boat insurance policy. Another option is buying a towable insurance policy, which can provide coverage specifically for towing items. Your insurance agent can provide information on these options.
So, does your RV insurance cover items you’re towing? It depends. The best way to ensure you have the right coverage is to talk to a trusted insurance advisor like those at HighPointe Insurance Services LLC in Overland Park, KS.