There’s nothing better than getting the whole family together and hitting the open road in your RV for a family vacation. Here are some of the most common questions we get about insuring recreational vehicles:
Do I have to pay for RV insurance even during months I don’t use my RV?
Most insurance providers give you the chance to switch off your coverage during months that you do not use your recreational vehicle. For example, if you only use your RV during the summer, but it remains parked beside your house for the extent of the winter, you can actually turn off coverage that you do not need during those months of disuse. You probably will not be able to completely switch off all of your coverage, as you will still want to protect your RV from fires, floods, wind, etc., you can get a serious discount by turning off the other types of coverage.
Does my insurance policy cover attachments to my RV?
While to be sure, you will have to check with your specific policy and provider, it is likely that your plan covers any permanent attachments to your RV. Things like tow kits and awnings are usually covered, and they are usually covered without adding an additional expense to your plan.
How much coverage do I need?
The only want to be sure exactly how much coverage you are going to need for your RV is to talk to an agent about your needs, how often you use your RV, and where you take your RV. Many companies will be able to give you an online quote, the best way to be absolutely sure that you are getting the coverage that you need is to actually talk to a representative.
How can I reduce my premiums?
Having RV insurance can protect both you and your RV in the event of any damage or accident, making it an essential accessory for any RV. Don’t drive without it! That said, if you are finding that your RV insurance is too expensive, you might be able to bring down your rates by driving safely, installing anti-theft devices in the RV, storing your RV during the off-season, combining your policies, and more.
How can I change my policy?
As with most things when it comes to insurance, the best way to change your policy is to contact an insurance agent who can take a look at your plan and help you make the proper adjustments.
