If you’re a new RV owner, you may be uncertain about how to insure your vehicle. It has wheels and an engine, so auto insurance is required by law to protect other drivers. To help you understand your minimum requirements and how else to safeguard your investment, here is a guide to creating a comprehensive RV policy.

An Introduction to RV Insurance

Required Coverage Types

An RV is a type of vehicle, so you’ll need to meet Wisconsin's minimum auto insurance laws. You are required to buy bodily injury liability coverage in the amount of $25,000 per injured person, with a per-accident maximum payout of $50,000. You must also purchase $10,000 of property damage liability. These cover the costs of repairs, medical treatments, and legal fees should you accidentally injure someone or damage their property with your RV. 

Optional Coverage Types

The required liability coverage only pays for damages and injuries to other motorists. To protect yourself, your property, and your passengers, you must purchase several types of optional coverage.

For instance, collision coverage pays for repairs to your vehicle due to on-the-road accidents, while comprehensive coverage pays for non-collision losses due to events like fire, flood, vandalism, or theft. Personal property coverage pays for damages to on-board personal belongings like electronics and attached equipment like satellite dishes and awning. You may also want roadside assistance coverage in case you experience a breakdown or run out of fuel. Uninsured motorist coverage protects you in case an uninsured or underinsured driver hits you and does not have enough insurance to pay for your losses. By adding more coverage options to your policy, you create a comprehensive safety net to protect your investment and give you peace of mind while you’re on the road.

To purchase user-friendly RV, boat, motorcycle, or auto insurance from an experienced agent, contact Northwoods Insurance Agency in Crandon, WI. They have served residents and businesses in Upper Northeast Wisconsin since 1985. In addition to RV and auto insurance, they also specialize in business, life, renters, and homeowners insurance. Visit their website to read what clients have to say about them or call (715) 478-2215 to request a quote.