Storms, Fires and Accidents: Is Your RV Insurance Disaster-ready?

Regardless of your driving experience, camping skills and overall responsible behavior as a recreational vehicle (RV) owner, you still need to account for the possibility of property damage and subsequent financial losses. Despite their large statures, campers, motorhomes and other RVs are vulnerable to many of the same perils as cars and may incur greater costs. You need to make sure your RV insurance is capable of handling a variety of unexpected incidents.

How to Insure My RV

RV insurance can be customized and equipped with various financial protections according to your needs, risk tolerance and other unique circumstances. Liability coverage is often legally required to account for accidents where you’re at fault for other parties’ losses, but this aspect of your policy won’t help manage repair or replacement costs for your own vehicle.

If you want to make sure you and your vehicle are covered against a variety of incidents, consider securing a policy with the following coverages:

• Comprehensive coverage can help address many incidents that might befall you and your RV. Specifically, your insurance might help pay for losses arising from fires, wind, hail and floods should such perils cause structural damage to your vehicle. Additionally, this type of coverage may help manage the financial ramifications of criminal acts, such as theft and vandalism.

• Collision coverage may be essential for losses arising from crashes. You might be eligible for payouts if you accidentally collide with another vehicle or stationary object, such as a building, tree, guardrail or signpost. An RV insurance policy with collision coverage can offer critical financial aid regardless of who was at fault for an accident.

• Personal property coverage can also be a valuable investment as part of your RV insurance. This coverage may function similarly to the personal property aspect of a home insurance or renters insurance policy, and can financially protect belongings inside your RV should they be damaged or lost in an accident or disaster.

We’re Here to Help

At Goal Insurance, we can help you find the right RV insurance policy or augment your current coverage to address a variety of risks. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.