Don’t allow your vacation to be ruined because you don’t have insurance on your RV. RV insurance will protect you if you cause damage or injury to another. It also covers costs associated with damage to your vehicle if a covered event happens. Let the Prestige Insurance Group, serving the Miami, FL area, explain the variety of coverage that exists.
Why RV Insurance?
The biggest difference is based upon how you use your RV – recreationally or as a full-time residence. There are differences between traditional auto insurance and RV insurance. When you purchase RV insurance, you will be asked how often it will be used and in what way. Then you select the coverage that will best protect you and your vehicle.
Options include liability, comprehensive, collision, underinsured/uninsured motorist, and RV towing insurance. Typically, the more coverage you have, the higher premium you pay.
While your auto liability covers you for accidents while driving the RV, vacation liability protects you to cover accidents occurring in or around a parked RV while on vacation.
RV insurance may cover theft depending on the type of RV coverage you have. If your policy includes comprehensive, the theft of your RV and components that were part of the RV at the time of purchase, such as folding beds or cabinets, may also be covered.
A standard home insurance policy may cover your personal belongings that are stored inside the RV, such as dishes, clothing, jewelry, and firearms. But it does not cover damage or loss of the RV.
Typically, RV insurance is less expensive because they have fewer claims, drive fewer miles, and are not used for commercial driving purposes.
Give Us A Call
If you want a quote to cover your RV, Prestige Insurance Group in Miami, FL can provide it, along with explaining all the particulars of this type of coverage. Contact us today.