3 RV Insurance Add-ons Worth Considering
Whether you live full-time in your new RV or are preparing for a summer vacation, understanding your RV insurance before you hit the road is essential. Insurance policies can vary widely depending upon which of the three classes of RVs you are operating, how often you use your RV, and whether or not you use it as your full-time residence. Furthermore, because an RV is so much more than a vehicle, RV insurance will generally go much further than traditional automobile insurance policies to combine facets of homeowner’s insurance, like damages due to weather. But did you know that different RV insurance add-ons can also serve as a type of vacation insurance? The following is a quick look at three types of add-on or expanded RV insurance coverage that are certainly worth considering:
3 RV Insurance Add-ons Worth Considering
- Personal effects coverage. This insurance add-on protects your personal items in the event they are either damaged or stolen while you are living or vacationing in your RV. While some of your items may be covered underneath your homeowner’s insurance, generally a deductible is required with strict limitations on items covered and too many claims can cause excessive rate increases. So even if you do have homeowner’s insurance that extends to your RV, it may make more financial sense to have RV insurance with personal effects coverage up to a specified amount or for specified items kept within your RV, such as expensive camera equipment and other electronics.
- Vacation and pet liability. Note that RV insurance is not vacation insurance, meaning you won’t receive reimbursement in the event of a natural disaster or similar event that forces you to lose out on paid-for plans. However, what vacation liability insurance will do is to cover bodily injury and property damage that occurs while you are camping as opposed to typical RV insurance that only covers injury and property damage that occurs while on the road. Pet owners can have this extended to also cover their pets, i.e. Progressive pet injury coverage under their RV policies will pay up to $1,000 in vet bills for any dog or cat injured while riding in the RV.
- Roadside assistance. Roadside assistance is increasingly becoming a benefit that many people receive as part of their credit card rewards programs or new vehicle warranties. However, if you do not already have a type of roadside assistance plan offered through other means, then you should strongly consider having it added to your RV insurance plan. Roadside assistance will generally reimburse you for the costs associated with towing, winch-out recovery, dead battery, flat tire, and other services that are needed should you encounter problems on the road that might otherwise leave you and your family stranded.
Premier Coach Works Works With Most Insurance Providers
Whether you need to call us for roadside assistance or to provide engine repair work following an accident, our team is equipped to help. We have experience working with a variety of RV insurance plans and will help you through the process.
