Recreational vehicles, commonly referred to as RVs, offer the potential for fun and adventure. However, they’re also an investment, so new owners should consider their options before taking the leap. From protecting your vehicle with the right insurance policy to finding the perfect RV, here are a few factors to keep in mind. 

What to Do Before You Purchase an RV

1. Check Out Quality Used Options

If you’re on a budget, buying a used RV is a good option, provided you do your research. Make sure you take a look at the RV in person before committing yourself to a sale. Check the interior for signs of mold and mildew, and also make sure the roof is properly sealed and secure, especially around any skylights. 

2. Have an Annual Maintenance Plan

The better you are about yearly maintenance, the longer you RV will last. In addition to standard vehicle maintenance tasks, such as changing the oil and replenishing fluids as needed, you also want to clean slideouts, which are sections of the RV that expand outwards to provide more room inside. You should also apply a lubricant to the slider mechanisms to ensure they remain soft and pliable for years to come. Maintaining the wastewater system is also unique to these vehicles, so you should know which deodorizers and treatments you need for efficient operation. 

3. Consider RV Insurance Coverage

In Montana, all RV owners are required to have at least $25,000 bodily injury coverage, or $50,000 for more than one person, and $20,000 for property damage. However, you should consider purchasing more to remain fully protected.

Collision and comprehensive coverage pay for damage to your vehicle, including theft and vandalism. You can also secure insurance for your personal belongings inside the RV, roadside assistance, and loan payoff coverage if the vehicle is a total loss and you still owe money on it. 

If you’re not sure how much insurance you need for your recreational vehicle, contact the experts at Grachek Insurance in Kalispell, MT. With more than three decades of experience, the team will help you determine your specific risks and needs. As an independent agency, they’re not beholden to a single insurance carrier, so they will find the best deal to pass along to their clients. Their RV policies are also flexible and can be tailored to your exact driving habits. Call (406) 755-4000 to schedule a consultation or visit the website to learn more about their policies.