Why should I get RV insurance and do I need it?

June 18th, 2021 abriinsurance
Best RV Insurance

Welcome readers! Everyone here at Abri Insurance hopes you’re having a wonderful warm day as the summer weather makes its way through our beautiful town of Summerville, SC! With the warm weather, the recent graduate celebrations, and the feeling of summertime adventures in the air, we know you’re probably itching for something fun, or somewhere new to explore! Since the pandemic first started, there have been huge adjustments in different forms of entertainment to satiate the needs of those who have spent the better part of the last year and a half (yes, it has been that long) inside. A great example of this are RV’s and travel trailers!

The two have one primary difference; one you can actively drive and the other you hitch to a truck or suv to pull behind you towards your destination. RV’s are the large vehicles with typically a driver and passenger seat up front, but a living area, kitchen, toilet, and sleeping area throughout the rest of the space. A travel trailer may only have a few of those options at bare minimum, but are not driven themselves, only attached.

Now, these options for traveling and adventuring are all fun and games until an accident occurs. Because these vehicles/extensions are bulky and not your typical vehicle shape, they can cause a decent amount of damage if involved in a car accident or collision. So, how do you protect yourself in the best way possible? We’re sure you already know the answer to this based on who we are, but INSURANCE!

You can safely and effectively insurance your RV or travel trailer with the right amount of insurance and we highly recommend it. By law, you are not obligated to insure a travel trailer, but an RV must have a minimum liability coverage as you would be actively driving it on the roads. Minimum liability coverage tends to vary state to state, so be sure to let us know if you have any questions or if you’re in our neck of the woods. It’s still recommended however to get some kind of comprehensive coverage for your travel trailer, as your belongings are valuable and deserve protection! Don’t take the risk to save an extra buck, take the next step in making sure your travel trailer is insured.

There are other things to consider about RV and travel trailer insurance coverages too, such as the items and belongings they hold. Typically, for common claims of theft and vandalism, the contents within an RV or trailer are protected under a homeowners or renters policy. These kinds of insurance policies are more likely to have lower limits due to covering property away from home, but you have to take into consideration the value of the items you keep with you. For example, if your house on wheels holds a range of electronics and other high value personal effects, getting extra coverage may be beneficial for you should anything occur. This would be especially helpful to those that work primarily remotely while traveling, and their work life primarily depends on the availability of a laptop or mobile device! With the pandemic circling for the past year and half, remote work has been on the rise right alongside safe options for traveling. If this sounds like it applies to you, we definitely recommend getting in touch with one of our team members today!

Curious about other items within your RV or travel trailer? Well, items that are permanent fixtures such as kitchen appliances, bathroom pieces, or any other customized equipment that is intentionally installed within your RV or travel trailer can fall under a comprehensive and collision portion of most RV policies. Make sure to take a look at what kind of coverage you have currently to confirm what’s covered and what’s not, and if you don’t have any coverage you already know what we’ll say about that!

Other things to consider in relation to your coverage? Some plans include concepts for money getting set aside for covering the cost of a hotel room should your RV need repairs and you can’t stay in it! If that’s not the best kind of forward thinking we don’t know what is!

Here’s a quick list of some things typically covered in a basic RV insurance coverage, but like we’ve mentioned so far, customizations and other options may be available depending on your specific needs and situation so never be afraid to ask!

  • Collision Coverage
    • This type of coverage is meant for paying for damage done to your RV or motorhome regardless of who’s at fault. If you finance or lease your home on wheels, this type of coverage may be required.
  • Comprehensive Coverage
    • AKA everything ‘other than a collision’. This type of coverage helps pay for non-collision related damage like falling trees, vandalism or theft, storms, floods,etc. It’s important to consider the natural dangers in your geographical area to determine how extensive your comprehensive coverage should be!
  • Property Damage Liability
    • This coverage is for if you cause an accident and damage occurs to another person’s vehicle or property. Most states require this portion as well!
  • Bodily Injury Liability
    • This is meant to cover if you cause the accident and someone is injured, in order to pay for their medical bills and loss of income. Most states require this portion!
  • Uninsured Motorist
    • This coverage is meant to protect you should you get into a situation with a driver who doesn’t have insurance at all or lacks the money to pay for injuries and damage they caused to you, your passengers, or your RV/trailer. This coverage is also known to give aid towards hit and run accidents, but every state has its own uninsured motorist laws. Be sure to become familiar with yours if you’re considering getting an RV or trailer of your own out on the road.
  • Underinsured Motorist
    • This is meant to protect you from those who may be underinsured. And just like with Uninsured Motorists, every state has its own laws in relation to this. Coverage may vary.
  • Medical
    • Last but not least, no matter who’s at fault, medical payment coverage is important and meant to cover your medical bills for you and your passengers if your RV or trailer is involved with an accident.
  • Other types of coverage include:
    • Windshield replacement
    • Roadside assistance for 24/7 emergency help in relation to fuel, tire changes, jumpstarts, etc.
    • Towing, labor, and trip interruption expenses for lodging, transportation, and meals.
    • Vacation Liability in case an accident happens on the premises the RV is being used on as a temporary residence.

So readers, are you still itching to get out on the road with your own home on wheels? We don’t blame you! Even though insurance is a part of life we find a necessity in, life on the road or even a trip out of state to a special destination is well worth the effort. And, with all of those fantastic Pinterest boards out there for renovating, decorating, and remodeling the inside of buses, vans, and old RV’s, an extra layer of fun and creativity can be added to it as well!

If you’ve been daydreaming about ‘Moving right along’ on the wide open roads in your own RV or travel trailer, reach out to a team member of Abri Insurance today. We can help you get the special coverage you need to insure not only your home on wheels, but also to ensure you enjoy your summertime adventures!

Enjoy your day, readers! Don’t forget that we’re here to help you with all of your insurance needs, especially for RV Insurance and Travel Trailer Insurance. Happy camping!

Leave a comment

Your email address will not be published. Required fields are marked *