Now more than ever, people are taking to the road. Being cooped up inside for months has given people the urge to travel and see something other than their house and the grocery store. Traveling by plane in the country is allowed, but there are several rules and regulations to follow. If you’re going outside of the country, there’s a high chance you will have to quarantine yourself for two weeks to make sure you’re not infected. Instead of dealing with all of that, people are renting or buying RV’s to hit the open road. Like all vehicles, RV’s need proper insurance. If you’re not familiar with how RV insurance works, you may not know about the type of collision coverage, emergency expenses, liability insurance you need, and more. Here’s why you need to get RV insurance for your best adventure yet!
● Travel Trailer Insurance: Most auto insurances will cover a trailer when it’s attached to your vehicle, but nothing else. It won’t protect the motor home on top of the trailer you’re pulling. You need to make sure you have insurance for the RV, whether it’s hooked up to the car for travel or set up at the campsite.
● Medium Trucks: Truck bed campers are smaller. They can be more convenient to travel with, especially if you’re new to RVing or going for a short time. The issue is that they’re usually over 10,000 lbs. They won’t be covered under regular auto insurance.
● RV Replacement: Accidents and theft can happen, especially if you’re unfamiliar with the area. Make sure your RV insurance policy includes Actual Cash Value (ACV), or Total Loss Replacement, just in case something unexpected happens in your travels.
● Emergency Expenses: Having a policy for emergency expenses, such as damages and defects beyond your control, is important to cover any extra costs you didn’t account for previously.
● Emergency Roadside Assistance: Whether it’s an accident or a mechanical failure of some kind, you don’t want to be without any help. Your RV insurance can have roadside assistance included, so you can get help no matter where you are in the country.
There are many more policies to consider depending on where you’re going, what type of RV you have, and more. If you’re ready to hit the open road, contact us today for the best coverage out there!
