Buying the Right RV Insurance

In many ways, RV Insurance is similar to auto coverage. On an RV policy, customers get property damage and bodily injury coverage, and they have the option to buy under/uninsured motorist coverage, collision and comprehensive insurance. The main difference with RV Insurance is that it offers specialized coverage that considers the RV lifestyle.

Things to Keep in Mind When Getting a Quote

Customers should make a few considerations when getting a price quote for RV coverage. What’s kept in the RV is important; if one lives in it full time, they typically keep their belongings there, and will need an insurance policy that covers those items in the event of a loss.

Those who intend to park at camp-sites may be responsible for the space surrounding the RV. Customers should know where they will camp, and they may need insurance coverage if someone is hurt in the outside area around the RV.

Coverage Just for Full-Timers

When a person lives in an RV full time, it should be properly insured. Customers should ask their insurer which coverages are best for full-timers. Some types of available coverage include:

     *     Coverage for storage sheds – Some policies offer $5000 or more in coverage for contents of sheds that are leased, rented or owned by the named insured. Storage shed coverage repays the insured party for damage, theft or loss of contents in a covered accident.

     *     Loss assessment – Extra coverage for association assessments may be required if an RV is parked in a campground that’s an association member. This coverage pays for required mechanical and aesthetic improvements that benefit all of the association’s members.

     *     Scheduled medical benefit – This type of insurance from Coastautoinsurance.com offers medical bill payment up to the coverage limit. The coverage applies to those hurt in a covered accident while an RV is used as a primary or permanent residence.

Some insurance companies offer benefits such as deductibles that decrease with each claim-free renewal. Others give customers the option to buy medical benefits coverage for the named insured and their eligible dependents, which covers injuries that happen while the RV is in use.

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