There’s nothing quite like hitting the open road in an RV. The freedom to explore new places, set up camp whenever and wherever you please, and spend quality time with family and friends – it’s no wonder that RVing is one of America’s favorite pastimes. However, before you head out on your next adventure, there’s one vital thing to take care of: insurance. But what kind of insurance do you need for your RV? Here’s what you need to know before buying RV insurance.
What Does RV Insurance Cover?
What is covered by your RV insurance will depend on the type of policy you purchase. Some of the common coverages included in most RV insurance policies are:
- Collision Coverage: This coverage will help to repair or replace your RV if it is damaged in an accident.
- Comprehensive Coverage: This coverage will help to repair or replace your RV if it is damaged by something other than an accident, such as a fire, theft, or vandalism.
- Medical Payments Coverage: This coverage will help to pay for medical expenses if you or your passengers are injured in an accident.
How Much Does RV Insurance Cost?
The cost of RV insurance varies depending on the value of your RV, the coverages you choose, the amount of liability coverage you need, and other factors. However, you can expect to pay anywhere from a few hundred to a few thousand dollars per year for RV insurance.
What Are Some Things to Consider When Buying RV Insurance?
When you’re shopping for RV insurance, consider the value of your RV, how often you’ll be using it, where you’ll be taking it, and what type of coverage you need. It would be best if you also considered the deductibles for each coverage and the limits of liability. By keeping these things in mind, you can be sure to get the right RV insurance for your needs and budget.
Will Wright Agency Inc. in Decatur, AL, offers a variety of insurance policies to make sure you and your family are safe on the open road. Get in touch with us today to learn more about our RV insurance options.