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The Most Important Facts About RV Insurance

Whether you love traveling to local destinations or across the country, doing so in a recreational vehicle gives you the best of both worlds. Along with having a luxurious camper, you also have a home on wheels. But just like your home or auto, it is important to have the best insurance coverage on your RV. By doing so, you can travel the highways and byways with peace of mind, knowing if an accident or other event occurs you are covered. But while many people put great thought into purchasing their RV, they often fail to do the same with RV insurance. If you are preparing to purchase a recreational vehicle or have already done so, here are some of the most important facts about RV insurance.

Insurance Restrictions
Just like most types of insurance, there are certain restrictions that may help determine the type of RV insurance you will need. For example, while some coverage for recreational vehicles can be provided by purchasing standard automobile policies, it is usually recommended that if you will be using your RV for extended trips, separate RV coverage is best. In addition, your RV will usually need certain fixtures to qualify as an RV unit. These include such things as electricity, heating and air conditioning, refrigeration, and accommodations for cooking and bathing. Finally, insurance coverage is also available for towed trailers that do not possess a motor. However, these policies also often require the trailer to have some of the previously mentioned fixtures and accommodations.

Types of RV Insurance Coverage
When selecting insurance coverage for your RV, there are various options from which you may choose. Since each person’s situation is different in terms of what they need, how they will use their RV, and how much they can afford to pay for insurance, it is always best to discuss your situation with an experienced agent. Some of the most common types of RV insurance coverage include:
–Comprehensive Physical Damage
–Medical Payments
–Property Damage Liability
–Uninsured/Underinsured Motorist
–Bodily Injury Liability

Because each of these coverage options focus on various aspects of accidents, always think carefully about what you may need for your policy. For example, if you have bodily injury liability coverage, this will pay for another person’s bodily injuries and medical expenses for which you are found to be legally responsible. Also, if you have property damage liability coverage, this will help should your RV damage another person’s property, and will also help cover various legal fees you may encounter.

How to Save on RV Insurance
If you are like most people, you are always trying to find ways to save money when purchasing insurance coverage. This also applies to RV insurance, which is often a new type of insurance for many people. However, like many other forms of insurance, it is possible to find many ways to save money when making this purchase. For example, if you pay your policy in full upfront rather than making installment payments, you often enjoy substantial savings. In addition, if you want a lower premium, you can choose to raise your deductibles. Another great way to save money is to bundle your RV insurance coverage with other types of insurance from the same agency, such as homeowners or auto insurance. Finally, if you are a member of an RV association, you can often qualify for discounts on coverage. By thinking about these options ahead of time and discussing them with an experienced and knowledgeable agent, you may find you can enjoy a trip in your RV while having more money in your pocket.

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