While many people dream of roaming the countryside in an RV, it’s important to make sure you have all the coverage you need before hitting the road. Most states require every vehicle on the road to carry at least a minimum amount of liability insurance, including cars, motorcycles, and especially RVs. However, there are some exceptions, depending on a wide variety of factors, including the type of vehicle you have and whether you own it. Below are some guidelines for determining whether you need insurance.
Every RV that moves under its own power has to be covered by a minimum amount of liability insurance to protect other drivers in accidents you may cause. However, because of their size and weight, RVs can cause a lot of damage, so you might want to purchase a policy with higher coverage limits.
If you’ve financed your RV, your lender will also require you to carry comprehensive and collision coverage, which pays for any damage that happens on or off the road. Rental companies also usually require you to carry a separate RV insurance policy to protect their property.
When Insurance Is Optional
Towable RVs that aren’t motorized, like travel trailers, are generally covered by your auto insurance policy while it’s moving—but that doesn’t protect it when it’s not in use. Serious storms, theft, and vandalism can result in thousands of dollars in damage, which you might have to pay out of your own pocket.
With over 30 years of experience and a broad range of policies from one of the top carriers in the country, Jan Parisi Agency Inc. in Spencerport, NY, has the resources to help ensure you’re fully protected against the unexpected. If you’re planning on buying an RV, their team will evaluate your needs and help you find a policy tailored to your financial situation. To learn more about their services and request a quote, visit their website or call (585) 349-3592, and follow their Facebook for more tips and insurance advice.