RECREATIONAL VEHICLES Insurance – Customer friendly
What is Recreational Vehicles Insurance?
This is an insurance policy that protects various types of RVs including motorized and towable ones. Travel trailers, Fifth-Wheel trailers and pop-up campers are some common examples of RVs that may be insured. Motorized RVs are usually categorized into Class A, Class B and Class depending on the gross vehicle weight rating and other specifications such as number of wheels and type of fuel.
Who it is For
This insurance plan can only be bought by a person who holds legal possession of a recreational vehicle that is registered. Therefore, the insurance may only be activated when a state-issued title and registration are presented. Ideally, the person who buys the insurance policy should be the driver of the insured RV.
How it Works
Recreational Vehicles Insurance has to be paid on a monthly basis or as a single payment. Regardless of the method and frequency of payment, the policy is valid for one year. In order for an RV owner to renew the insurance plan, the RV’s state inspections, title and registration must also be renewed according to local regulations.
Different Types of Coverage in Existence
Comprehensive insurance pays for exterior and interior damage to a recreational vehicle. RVs that are used for camping and other long road trips are at a high risk of being damaged by severe weather such as hurricanes, thunderstorms, tornadoes and hail. A deductible usually has to be paid by the RV owner before the insurance plan can be used to cover for replacements and repairs of parts. Motorized RVs must also have the appropriate liability insurance that covers bodily injuries of all passengers on board. Additional coverage for RVs includes collision protection, which focuses on damage that results from crashes with other vehicles, people, animals or objects.
Whether motorized or towable, recreational vehicles of all types must be properly insured against major damage that can be costly to fix. RV owners also get a lot of peace of mind knowing that their possessions can be promptly replaced against total loss and repaired for minor or major damage.