Recreational vehicles — such as RVs — are unique in that they are part home and part conveyance. As a result, adding on to your existing car insurance policy probably won’t offer the coverage you need to remain protected. That’s why the insurance brokers at P.D.H Insurance Brokerage offer this guide to clients in Valley Stream, NY, to ensure they can secure a reliable RV insurance policy.

3 Tips to Find Quality RV Coverage From an Insurance Broker

1. Know What Basic Coverage Entails

Most RV policies include liability, collision, comprehensive, and uninsured motorist coverage. Liability coverage protects from your claims filed by third parties injured as a result of your property — in this case, your RV. Collision insurance covers crashes with objects other than vehicles, while comprehensive coverage pays out if your RV was damaged by vandalism, animals, or falling tree branches. Uninsured motorist coverage is beneficial if you’re in an accident with a motorist lacking sufficient insurance.

2. Determine How You’ll Use Your RV

Some people use their RVs all year long while others only use them for a few weeks per year. The frequency in which you use your RV will determine whether you need supplemental coverage in addition to the basics. These policies include full replacement coverage, insurance for your personal belongings, funding for temporary lodging while on a trip, and full-time coverage — which is used when you live in your RV permanently.

3. Be Aware of Exclusions

Coverage might lapse if you take your RV north or south of the border. Trailers and campers might also lack protection, as these items often require their own insurance policies. If you’re unsure whether you have an exclusion in your coverage, speak with a representative of your insurance company or read over policy documents.

If you’re searching for RV insurance in Valley Stream, P.D.H Insurance Brokerage offers protections you can rely on at a price you can afford. They utilize over three decades of experience assisting clients, which is beneficial whether they are helping you file a claim or getting you set up with motorcycle insurance. Call (516) 561-5227 today to speak with an insurance broker or visit them online for more helpful tips.