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Recreational Vehicles

Recreational Vehicle Insurance

Everyone loves a good vacation, but sometimes it's hard to abandon the comforts of home. That's where recreational vehicles come in. For their owners, recreational vehicles provide a perfect blend of comfort and adventure. That's why RV owners have to take steps to protect their RV's from damage, and one of those steps is recreational vehicles insurance.

What is RV insurance?

RV insurance is a policy tailored specifically for those who own or drive RVs. It blends together the best aspects of car insurance and homeowner's insurance to provide a policy that covers every risk to which RV's are subject. Certain basic forms of RV insurance are required by law, such as collision insurance. People who use their RVs as a primary residence will also need a form of homeowner's insurance for those with RVs. This means even those who don't drive their RVs will need to look into an RV insurance policy. RV insurance policies also often feature bonuses such as travel insurance and protection of traveling companions.

Types of Coverage

Because RVs are far more versatile than the average vehicle, the coverage options must be more versatile too. Collision, theft, and vandalism are the typical areas of coverage required for vehicles. However, RVs are also subject to requirements for some forms of homeowners insurance depending on the circumstances. In addition, there are forms of coverage available specifically for vacation-related damage, since many RV owners use their vehicles solely for vacationing. There is also coverage that will provide a fund for temporary residence in the event of a customer's RV being damaged. Unlike cars, damage to an RV can often result in not just a loss of mobility, but also a loss of home.

Benefits of RV Insurance

Aside from the policies required by law, the benefit to policies such as vacation coverage and emergency funds can be lifesavers. Having these policies is often the difference between paying thousands of dollars, or tens. The emergency housing fund is especially useful because it's difficult to find inexpensive housing on short notice, as one might need to do when one's RV is totaled or in the shop.