Having an auto policy doesn’t guarantee protection for other type of vehicles such as your RV or trailer. Many people in California are making use of this time to hit the road and relax outside of the city.
And if you’re one of the many that like to travel in the comfort of your trailer, you may want to make sure you’re covered.
So What Does RV Insurance Cover?
RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings and accessories on board.
Depending on the insurance company you choose, your additional coverage options may include:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside coverage
- Full-timer coverage if your RV is your full time residence
- Uninsured and underinsured motorists coverage
How Does RV Insurance Work?
RV insurance protects you, from excessive out of pocket costs in the event of a loss or an at-fault accident that causes bodily injury or property damage. It can also cover you financial in the emergency of a roadside breakdown.
How Much Does RV Insurance Cost?
The cost of RV insurance will vary widely, depending on several key factors:
- Whether your RV is a Class A, B or C model.
- Whether you use your RV occasionally or if you are living in the RV full-time
- Your driving history and record of accidents or past claims
- The limits you set on your policy, as well as the deductible amounts.
- The additional riders or added coverage you want to add, such as coverage for your personal belongings, towing and roadside assistance coverage, etc.
For more ideas, read our recent article “How to Build an Emergency Fund.”
Let Uniamericainc.com help you with insurance today!
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