AllRisk Auto Insurance, LLC Blog
Recreational vehicle insurance is a requirement by law in most states in the U.S. Recreational vehicle insurance will protect your finances in case there's damage to your RV. You can choose between minimum coverage for your RV, or you may have full-time coverage. Here are five of the things that your RV covers.
Personal Property and Belongings Coverage
This coverage includes all of your property while you're in your RV driving it, or you've just parked it. This coverage includes your TV, laptops, dishware, and cell phones. However, each policy will have different limits on how much coverage you can have. Thus, you need to check your plan for the exact coverage and other specifics. Also, your personal attachments coverage will take care of your awnings, satellite dish, and TV antenna.
Collision and Full Replacement Cost Coverage
Your Collision Coverage can cover the damage caused to your RV in case you've collided with another vehicle. Regardless of whose fault it was, you'll receive coverage all the same. Also, in case your RV experienced total destruction or someone stole it, then you can use your Full Replacement Cost Coverage to replace your RV.
Medical Payment Coverage
Medical Payment Coverage will take care of your medical expenses as well as those of your companions in case your RV had an accident. You’ll receive the benefits no matter who’s at fault. Remember to ask about Medical Payment Coverage if you can’t find it in your policy options.
Comprehensive Coverage will take care of other undesirable problems aside from collision. Also known as “other than collision” coverage, your Comprehensive Coverage will provide coverage for theft, fire, vandalism, floods, storms, and other natural disasters. Always clarify with your insurer which things your RV insurance can protect you from.
Pet Injury Coverage
If your pet was in the RV during the accident, then your RV insurance can handle its medical and hospital expenses. However, if you have a pet insurance policy, then that’s just as good. The most important thing is that your pet gets the protection that it needs from your RV insurance policy.
Some Final Words
Your RV insurance can also provide you with many other things, such as road assistance. Thus, it can provide for battery failure, engine breakdown, flat tire, lockout, or a lack of water and supplies. Your RV insurance is indispensable because it keeps you and your family alive and your RV intact.
At AllRisk Auto Insurance, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (360) 693-4044 or Click Here to request a free quote.