Buying an RV is exciting. Not only will you get to travel, but you can do it with all the comforts of home, even if you’re in the middle of the woods. However, before you hit the road, it’s important to have the right RV insurance policy to fully protect your new camper. Below are a few reasons this is essential and a guide to how much coverage you need. 

Why RV Insurance Matters

RV insurance is designed to protect your camper from damage at any time. Though your home insurance will likely cover the camper when it’s stored in your yard, you’ll need a separate policy to protect it when it’s getting used. Additionally, these policies are legally required in most states and by many privately-owned campgrounds. If you don’t have coverage, you won’t be permitted to stay on their property and may not be able to enjoy your vacation to its fullest.

How to Determine How Much Coverage You Need

The type of RV coverage you purchase will be largely based on the type of camper you buy. Motorhomes and buses will need to have enough coverage to protect the living quarters as well as the engine and vehicle components. Travel trailers and towable campers only need coverage for the living quarters. Your auto insurance policy will not be enough in these instances.

Regardless of the type of RV you purchase, you’ll need to invest in enough coverage to protect the full value of the RV, the furniture and equipment inside, and any belongings you keep stored in the unit. Look at the overall value of the camper and calculate how much the belongings you store inside would cost to replace. Purchase a policy with a high enough coverage limit that takes these items into account. 

If you’re looking for a quality RV insurance policy, contact the team at Accredited Insurance Group in Omaha, NE. Their experienced agents have helped residents find the best coverage for their homes, cars, and campers for more than 25 years. They understand that RV coverage needs are completely different than the standard policy and will make sure you have enough coverage to fully protect you on your travels. Learn more online and call (402) 334-1780 for a free quote.