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When it comes to "getting away from it all" you can't beat a family getaway with a recreational vehicle. From coaches you drive to the simplest of teardrop trailers, RVs make that weekend escape feel a little more like home. Before you head out on the highway, however, are you — and your RV — fully protected? Besides taking care of your car or truck (or even a motorcycle) with auto insurance, you should also take care to insure that motorhome, travel trailer, or fifth wheel, or popup with appropriate coverage.
Some RV Insurance Questions for All Adventurers:
If you have a motorhome that you drive, you'll need to insure it just like you would a car or truck. If you're towing an RV like a travel trailer or teardrop, not all states require extra insurance. However, it's always a smart idea to be insured as much as you can, even if the laws don't require it.
RVs can include everything from a working kitchen to HD televisions and portable propane tanks. Plus, you're likely heading out to campgrounds with fires, the wilderness with rockslides, or areas near large bodies of water that could flood. Bears could break in, a tree could fall, or you could just get into a fender-bender while backing up. There's a lot to cover.
RV insurance typically covers liability and collision damage, like regular auto insurance policies, but can also include:
Talking to your PayneWest agent is a great way to get started, but here are some details you should consider before you buy your first RV or plan to insure it:
All these, plus the exact type and class of RV you will own will impact your insurance cost and your needs. Be sure to know the answers to these and other questions about your RV when you talk to your insurance agent. Knowing all the facts is key for providing you with the perfect amount of coverage. Happy camping!