Don’t hit the road without RV insurance
It’s RV season! Many people in Newfoundland will be looking for a scenic place to set up camp this summer. But don’t let your vacation be ruined by a lack of adequate insurance coverage. Keep reading to learn more about how RV coverage from Steers Insurance can keep you protected no matter where you end up.
Who should get RV insurance?
Recreational vehicle insurance typically only applies to motorized units, but some insurers also offer coverage to travel trailers, campers and fifth-wheels. RV insurance keeps you covered while you’re driving and protects your belongings while you’re parked.
Why car insurance isn’t enough
Auto insurance covers any damages that you cause, or sustain, while driving a motor vehicle. But an RV is more than just a motor vehicle. It’s a home away from home and often contains valuable personal items that need to be protected against loss and theft.
RV insurance keeps you covered when you’re driving, just like auto insurance. And it also protects all of the personal items inside your RV, just like home insurance. RV insurance can be purchased to protect against any damages to your RV, whether you’re on the highway or parked in a campground.
The types of coverage
Different amounts of coverage are available but a good recreational vehicle insurance policy should offer you the following types of coverage:
- Liability—The amount of liability coverage that you need is usually pretty similar to your car insurance policy. Liability protects you if you cause a crash that damages someone’s property or injures another person.
- Collision—Just like on your auto insurance policy, collision helps cover the cost of repairs if you run into something like a fence or a building.
- Comprehensive—Helps cover your costs if an animal, falling object or natural disaster damages your RV. Comprehensive also covers vandalism and theft.
- Medical payments—If you’re in an accident with your RV, and you or your passengers are seriously injured, medical payments protection can help cover the cost of treatment, even if the accident was your fault.
- Uninsured motorist—If you get into an accident with someone who isn’t properly insured you’ll still be protected if you’re carrying uninsured motorist coverage.
Depending on your lifestyle, you may need additional insurance coverage. Most insurers provide the following options:
- Personal property—This is great coverage to have if your RV is fully decked out with all the comforts of home like an entertainment system, or top-of-the-line appliances and furniture. Personal property coverage also takes care of RV accessories like camping supplies, barbeques and sporting gear. All of your personal effects will be protected with this add-on coverage.
- Roadside assistance—If your RV breaks down during your camping trip you’ll want to have roadside assistance. Towing bills and repair shop charges can put a huge dent in your wallet if you’re not properly covered.
- Travel expenses—If your RV needs some major repairs, some policies give you the option of adding coverage that will help you offset the costs of hotels and rental cars while you’re waiting for it to get fixed. There are usually restrictions on this type of coverage, so check with one of the friendly insurance brokers from Steers Insurance for more details.
For more information about all the recreational insurance options in Newfoundland, contact Steers Insurance today. For more than 80 years we’ve been helping our customers get the coverage they need at a price they can afford!