Recreational vehicles or RVs are a little piece of America. They provide the opportunity to travel, see the country, and live life at your pace. Securing the right RV insurance will give you the confidence travel the open roads knowing your home on the road is well-protected.
This coverage will pay for injuries suffered by others by accidents you cause. Your policy will set limits for how much can be paid to each person injured and a total for the entire accident.
For example, let’s say that your limits are set to $50,000 per person and $100,000 total. If you cause an accident that injures three people, and person A’s medical bills are $25,000, person B’s are $40,000, and person C’s are $20,000, you’re covered as each falls below $50,000 and the total is $85,000, below the $100,000 limit.
This is the maximum amount that your policy will pay for damage to the property of others, either a vehicle or other property. Typical limits for this coverage range from $25,000 up to $100,000.
Collision Insurance protects your RV from the damage caused by an accident that you or someone else may have caused. Accidents can include those that occur with other vehicles and those that involve inanimate objects, like buildings or guardrails, or a hit and run situation.
Comprehensive Insurance is also referred to as “other than collision” as it covers scenarios not covered by collision. It is an optional coverage that protects you against things you cannot control. Some common items covered here include, accidents with animals, flooding, falling trees or objects, theft, glass or windshield damage, and vandalism
When combined with collision insurance, comprehensive and collision coverages commonly referred to as “full coverage.” While giving you the best chance of having all your claims paid, be aware that there are still exclusions on most RV policies.
It’s important to talk to your RV insurance agent to discuss any particular coverages you are considering.
for each injured person
for injuries per incident
for property damage