The Ins and Outs of RV Insurance

Your RV is your sanctuary on the road, giving you a safe and comfortable place to spend time when you’re not out adventuring. However, just like your home, your car, or any other big-ticket item, it’s important to ensure that you’ve gotten appropriate insurance coverage on your RV. Without insurance, you’re going to be stuck with the bill for any repairs necessary or any damage done to other vehicles in an accident. Here’s what you need to know about insuring your RV.

Why Is RV Insurance Important?

Insuring your RV is as important as insuring a car or truck and it provides similar benefits. In some jurisdictions, you legally have to have coverage on your RV, particularly if it’s a motorhome. You want to have enough coverage to meet legal requirements, but it’s generally better to seek out a higher degree of protection for yourself to avoid too many major out-of-pocket expenses. In the event of a breakdown or an accident, RV insurance helps to take care of those bills.

Where Can I Get It?

RV insurance coverage is typically offered by most major automobile insurers. If you’ve already got a policy with one of these companies, it pays to see whether they can bundle your RV and car insurance together at a lower rate than the policies might cost separately. If you don’t have a car, you may want to check with your home insurance company instead to see whether they have coverage.

What Factors Go Into the Cost of Coverage?

How much your insurance policy costs will depend on several factors. Which state you live in can significantly change the amount of coverage you can get. The age, size, and type of RV you have can also be an important factor. Your frequency of use of your RV will be another determinant of the final cost of your RV’s insurance policy.

Visit our dealership in Rutland, MA, to check out all of our new and used RVs for sale. Mann’s RV is proud to serve all of our customers throughout Massachusetts.