RV Insurance 101

Recreational vehicles—more commonly known as RVs or motorhomes—are both home and car, making it doubly important to insure them against damages. Whether you take your RV on a few trips per year or live in your RV year-round, the motorhome itself is a valuable asset; not to mention all of your belongings stored inside.

Because RVs are motor vehicles, you must purchase certain coverage as required by the state. This will include liability coverage, which is designed to protect third parties from damages that you cause, along with any resulting medical and/or legal expenses.

Your optional coverages include:

• Property: Covers the cost of repair or replacement following an accident.
• Comprehensive: Covers damages caused by fire, severe weather, theft, collisions with animals and other incidents that don’t involve another vehicle.
• Uninsured/underinsured motorist: Covers your damages that are caused by a driver who does not have enough coverage to foot your bills.
• Contents: Covers your belongings that travel along in the RV.

Your independent insurance agent can help determine the appropriate amount of coverage for your traveling needs. Remember that RV insurance covers a variety of motorhomes, including the following:

• Class A Motorhome
• Class B Motorhome
• Class C Motorhome
• Truck Camper
• Travel Trailer
• Fifth Wheel
• Motorhome Bus Conversion

Be sure to talk to your agent about where you store your RV and the weather patterns and crime rate near your home. These factors can influence your RV insurance premiums and you don’t want to miss out on potential savings!

Get started today. Call Shankland Insurance at 641-228-7436 for more information on Charles City RV insurance.