Spencerport, New York
24 West Ave Ste 302
Spencerport, NY 14559
(585) 349-3592

Do You Need RV Insurance? October 5, 2017

Spencerport, Monroe
Do You Need RV Insurance?, Spencerport, New York

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.

Motorized Vehicles

insuranceEvery 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.

Ownership Requirements

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.

Other Announcements, Events and Deals from Nationwide Insurance: Jan Parisi Agency Inc
Your Guide to Business Insurance Types, Spencerport, New York
If you’re a business owner, you need the right insurance to protect you against lawsuits and other worst-case scenarios. There are a few different types, and it’s crucial to choose t...read more
Sump Pump Failure. Ways to Avoid This., Spencerport, New York
I would like to share with you a few helpful facts on the subject of sump pump failure and what you can do to prevent an incident. Why do sump pumps fail: 1. Power Outage- I am...read more
What about renting your home or a room to someone else? Does our homeowners insurance still provide coverage?   It is not uncommon for the use of our homes to change. During m...read more
4 Important Benefits of Landlord Insurance, Spencerport, New York
If you own real estate, you probably have a homeowners insurance policy. However, if you have a rental or commercial property you lease out to tenants, that policy may not provide th...read more
Staying Safe Behind The Wheel, Spencerport, New York
Do you have a teen that is coming to the age where learning to drive is the family’s next event? Teens shouldn’t learn by trial and error. They’re going to pick up good driving tips ...read more