When you buy a vehicle, you will almost certainly be required to get an insurance policy for it. For example, you will need car insurance for your car, and RV insurance for your RV. Our team at Morco Insurance Agency has extensive experience in helping our clients find the right auto insurance for their needs, and we are here to help you get the coverage you need for your RV or motorhome.
In this article, we’ll go over what RV insurance covers so you know what to expect.
- RV Insurance Covers Everything Car Insurance Covers – The vast majority of RV insurance policies cover the same things as a standard car insurance policy. Your policy will pay for some or all of the costs of car repair or replacement, medical expenses, repairs for property damage, etc. In addition, most RV insurance offers comprehensive coverage for damage caused by incidents other than collisions, such as fire, storms, vandalism, theft, etc.
- RV Insurance Covers Personal Effects – You can also include optional coverage for your personal property as part of your RV insurance policy. If you use your RV as a vacation or full-time residence, then we recommend investing in this coverage to protect yourself in the event your personal items are damaged or stolen.
- RV Insurance Includes Liability Coverage – Lastly, because many RV owners live in their vehicles full- or part-time, RV insurance also offers liability coverage, like a homeowner’s policy does. If someone gets hurt while in or around your RV during a time when it is being used as a residence, then your RV insurance policy will kick in to cover some or all of the associated legal costs.