An RV is an affordable, convenient way to see sights across the country, making it a popular choice for family vacations. But before setting out on an epic trip this summer, you want to make sure you’re well-prepared. Along with packing and planning your route, you need to think about RV insurance to ensure you and your vehicle are both protected. 

What to Consider About RV Insurance Before Hitting the Road

Are There Minimum Coverage Limits?

In Tennessee, you’re required to have liability insurance that covers up to $25,000 per person for bodily injury damages, or $50,000 per accident. The state requires at least $15,000 of property damage liability per accident. However, it’s recommended that you buy more than the RV insurance minimums to ensure you don’t have to pay out of pocket in case of an accident. 

Are There Additional Coverage Options? 

While standard liability coverage pays for medical care for third parties, medical payments coverage provides medical funding for you and your passengers no matter who is at fault for an accident. You should also consider underinsured/uninsured motorist coverage, which protects you if you’re involved in a crash with a motorist lacking insurance. Comprehensive insurance comes in handy if the vehicle is damaged by something other than a collision, such as theft or vandalism. 

Can Equipment Also Be Covered?

Along with protections specific to the vehicle, you can also cover any equipment you have, such as refrigerators, generators, and awnings. Personal effects coverage spares you from replacement costs if your belongings are lost or stolen during a trip. A separate policy may also be needed to cover any trailers or campers you’re hauling with your vehicle.

If you have questions about an RV insurance policy, Wilmoth Insurance Agency is here to provide answers. This family-owned agency has earned client trust over the past eight decades because of their commitment to affordable prices and personalized care. Since they’re an independent agency, they’ll leverage their carrier relationships to find you the best rates possible. Schedule a consultation with an agent in Cookeville, TN, today by calling (931) 526-6181. To learn more about protecting your recreational vehicle this summer, visit the website.