Owning an RV provides the opportunity to experience a great deal of adventure in a comfortable and convenient way. However, before setting out on the open road, it’s crucial to make sure your investment is adequately protected. RV insurance helps you avoid exorbitant out-of-pocket costs in the event of an accident, damage, or theft. To help you determine your coverage needs, here are some questions RV owners frequently have when shopping for a policy. 

FAQs About RV Insurance 

What Does RV Insurance Cover?

RV insurance covers many of the same risks that auto insurance addresses. At the minimum, you are required to carry liability coverage to pay for injuries and property damages someone else suffers from an accident you cause. Depending on the policy, it may also cover your injuries and damages to your RV, as well as the personal belongings inside and the vehicle’s permanent attachments and accessories. 

Am I Covered if I Live in My RV? 

If you live in your RV full time, you will need to purchase a full-timers RV insurance plan similar to a homeowners insurance policy. A standard RV insurance policy will no longer be sufficient to cover all your needs when an RV doubles as a residence. Full-timers coverage will also include medical expenses and treatment for anyone injured in or around your RV. 

How Much RV Insurance Do I Need? 

The amount of RV insurance you need will be determined by a number of factors. You must consider state requirements, the class of motorhome you own, how it’s used, where you will be traveling, and whether you have custom features. How much coverage you purchase will also depend on the assets you must protect in the event of a liability claim. 

Should I Cancel My Policy When the Season Is Over? 

Although this is an option, it’s not always the wisest decision. It is still possible for unexpected disasters like fire, flooding, and theft to occur when your RV is not in use. If you cancel your insurance, you won’t be covered for anything that happens while your RV is parked or in storage. If you’re looking to save money, many insurance companies offer policies with lower limits designed for the off-season. 

The more educated you are on RV insurance, the easier it will be to make certain you have the right type and amount of coverage. For decades, the professionals at Alcorn Insurance Agency have provided the residents of Chama, NM, with high-quality products at affordable prices. They understand the different variables that go into properly insuring an RV and know how to find clients the best policy to fit their needs. Call (575) 756-2197, or visit them online for more information.