RV Insurance: Everything You Need To Know In 2022

​Your RV is a valuable asset that needs to be protected all the time with the best insurance policy. A recreational vehicle insurance policy is far different from standard auto insurance. Here is everything you need to know about RV insurance in 2022.

RV Insurance: Why Does It Matter In 2022
RVs come in different shapes and sizes, such as travel trailers, fifth wheels, pop-up campers, and motorhomes. The type of recreational vehicle you own will determine whether you need an insurance policy or not. RV insurance does matter a lot in 2022 for the following reasons:

You are protected from liability.
Accidents can still happen regardless of whether you are a careful driver. In case you cause injuries or property damage, the insurance policy will cover legal costs.  You will not incur any expenses out of your pocket.

Your valuable asset is protected.
An RV is an expensive investment that needs to be protected just like your car or other assets. RV insurance takes care of all repair costs in case of an accident and can also replace your RV when needed.

You will have peace of mind.
Whether you are a careful driver, the roads potentially have all sorts of dangerous drivers. From speeding, uninsured drivers, to drunk drivers, it is important to protect your RV from all kinds of dangers on the road. Having an RV insurance policy gives you peace of mind knowing that you are covered against dangerous drivers.

Which Type of RV Needs Insurance
An insurance policy may be optional if your recreational vehicle or camper is towed by another vehicle. However, if you drive the RV, then you will need to purchase an insurance policy. Liability insurance for the towing truck/vehicle will usually cover the camper or trailer.

If you have purchased your recreational vehicle through a loan, your lender may require you to have full insurance coverage. Full coverage will ensure that the asset is protected no matter what happens.

Coverage for recreational vehicles can include the following:

• Comprehensive property damage
• Collision
• Bodily injury liability
• Total loss replacement
• Vacation liability
• Uninsured motorist
• Roadside assistance

At AllRisk Auto Insurance, LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (360) 693-4044. You can also request a free quote by CLICKING HERE.