Owning an RV gives you the freedom to take extended vacations without having to worry about accommodations. Like any other vehicle, you need the right insurance to protect the structure and its contents and passengers. If this is your first time shopping for this type of policy, then you may wonder what makes it unique. The following guide outlines the basics of covering your new RV. 

What Does Recreational Vehicle Insurance Cover?

These vehicles are unique because they combine features of a car and a dwelling. However, general auto insurance or home insurance doesn’t address all the challenges you may face while using an RV. A dedicated recreational vehicle policy covers total loss replacement, emergency towing expenses, accidents with uninsured or under-insured motorists, and even personal belongings coverage much like a traditional home policy.  

Why Should You Invest in This Coverage?

RVs let you travel at a leisurely pace, but an accident can quickly make a trip stressful. You need an insurance policy in case your vehicle is involved in an accident or breaks down and needs to be towed. The insurance also protects you in the event of a break-in. Without coverage, you may have to pay to repair the vehicle and replace any missing or damaged property out of pocket. Once you reach the deductible, the policy covers the rest, so you can get back on the road.

How Do You Find the Right Policy?

Understanding the type of vehicle you have is the first step to finding the right policy. Class A vehicles can be up to 75-feet long and include models like luxury and motor coaches, as well as converted buses. Class B vehicles are smaller and don’t have a cab-over. The category includes smaller campers and travel trailers. Class C is reserved for standard cargo vans where the camper extends over the cab. Once you know what type you have, contact an insurance broker to see what coverage you may be eligible for.

When you need an insurance policy from an agency you can trust, choose Goggans Insurance in Scottsboro, AL. For over 30 years, they’ve been providing a wide variety of policies from top names, including Dairyland®, Nationwide®, and Progressive®. To get started finding the policy you need, request a quote online or by calling (256) 574-3440.