Is RV Insurance Necessary?
Yes, RV insurance is necessary. RV coverage is the equivalent of having insurance for your car or boat. If you intend to get the most from your RV and travel, you are required by law to have a minimum of liability coverage. While liability coverage for your RV is needed, it may not be enough in certain situations.
What is Standard RV Coverage?
Standard RV coverage includes:
- Uninsured, underinsured motorists
- Personal belongings
- Equipment and attached accessories
- Emergency expenses
- Towing and roadside assistance
Collision – Collision coverage is essential for repairing your RV if you’re involved in a car accident.
Liability – If you’re at fault for a car accident, liability coverage handles the damages to the other party’s vehicle.
Comprehensive – Comprehensive coverage includes everything that collision does not cover.
Uninsured and Underinsured Motorist – Although insurance coverage is required by law, not everyone carries insurance, which is the purpose of insured and underinsured coverage.
Personal Belongings – this coverage is essential if you’re interested in RVing full-time. Personal belongings insurance covers your RV if it sustains damage due to a crime, accident, or natural disaster.
Equipment and Attached Accessories – this insurance provides coverage for your RV’s accessories, including bicycles, trailers, awnings, satellite dishes, and similar items.
Emergency Expenses – Emergency coverage is insurance that handles the cost of damages if you’re involved in a car accident.
Towing and Roadside Assistance – Emergencies happen, but sometimes the only you need is a quick fix. Whether you find yourself stranded on the side of the road, have a flat tire, or experience car trouble of any kind, towing and roadside assistance is there to make the necessary minor repairs or haul your car to a shop.
Here at HighPointe Insurance, we understand your need for reasonable and reliable insurance policies. We provide Overland Park, KS residents with RV insurance, and a variety of other insurance solutions. Contact us today to inquire about the insurance policies we offer. HighPointe Insurance looks forward to helping you.