An RV is your home away from home during summer vacations, and many models offer amenities campers could never even have imagined a few decades ago, including air conditioning, satellite television, and automatic leveling jacks. Because the quality of these vehicles has improved so much, the importance of maintaining proper RV insurance has increased as well. To help you design a policy that meets your needs, Phil Taylor Insurance Agency in Clarksville, AR, discusses some of the most important available coverage options.

An Introduction to RV Insurance

Collision, Comprehensive & Liability Coverage

Because they're over-the-road vehicles, RV insurance covers many of the same perils car insurance covers, including collisions, fire, floods, vandalism, theft, and liability. If you're at fault, your policy will cover any injuries or property damage you cause to others. Collision coverage pays to repair your RV if you cause an accident, and comprehensive coverage covers theft of the vehicle or property inside it in addition to non-collision damages like vandalism.

Travel Insurance

You can also purchase travel coverage that protects you against some of the risks associated with vacation, including the loss or theft of luggage, injuries, or medical issues that arise when you are away from home. It normally also includes medical coverage, medical evacuations, and costs that arise due to the trip being canceled or interrupted.

Full-Timers Coverage

This coverage is available to those whose primary residence is their RV. This is an increasingly popular lifestyle for retired people, nomads, and those who love to travel, and the coverage is similar to homeowners insurance. It protects the structure of the vehicle and its contents, guards against liability, and often includes coverage for property stored in an offsite shed or storage facility.

To protect yourself, your family, and your vehicle, it's important that you purchase adequate RV insurance before you hit the road. For expert guidance, contact Phil Taylor Insurance Agency in Johnson County. They are a full-service broker and the winner of the 2015 Johnson County Chamber's Small Business of the Year award. They also specialize in motorcycle and boat insurance. Call (479) 754-2616 to discuss your options, and visit their website to learn more about coverage.