If you enjoy exploring and taking adventures to new places, the RV or camper-trailer life may be for you. These vehicles are unique, in that they function as both a vehicle and your home away from home. That is why the insurance coverage needs for RVs and campers are so unique – there’s just no other vehicle like them.
Like ATVs, insurance for RVs and campers often come with:
- Collision coverage
- Comprehensive coverage
- Bodily injury liability
- Property damage liability
- Uninsured/Underinsured Motorist Coverage
- Medical Payments Coverage
In addition, it may also include certain unique coverages, including:
This type of coverage provides liability protection when you park your RV and use it as your temporary residence. It helps compensate victims for their losses if they are injured while visiting your RV or camper. Without it, you could be responsible for paying court costs, legal fees, settlements, and judgments out of your own pocket if you are sued.
This coverage helps pay for damages to your RV or camper’s awning, which can cost thousands of dollars to replace.
When you take your RV or camper on the road, you probably bring many of your belongings with you. From your clothes and shoes to your electronics, board games, and even your toiletries, personal belongings coverage allows you to file covered claims against your RV insurance instead of your homeowner’s policy.
If you wreck your RV or breakdown halfway to your destination, it could wreak havoc on your plans. How will you get home? Where will you stay? How will you feed your family without your RV’s kitchen to cook in? With trip interruption coverage, your insurance can help cover the cost of emergency living expenses and help you get safely home again.
Coverage and Discounts
When purchasing your ATV, RV, or camper-trailer insurance, you will select which types and how much coverage are right for your policy. At Frangquist Insurance Agency, we can help you assess your risks and coverage needs based on a wide range of factors, including how much you stand to lose after an accident or lawsuit. We offer policies custom-tailored to fit your needs, with considerations for:
- Where you ride or travel
- How often you use your vehicle
- The type, age, and value of your vehicle
- Your current income and assets
- Your future income
- And more
Once we know how much coverage you need, we can help you shop and compare policies from carriers until you find the coverage you need at the right price.
ATV and RV Insurance Discounts
Many of our customers are eligible for discounts on their coverage that help reduce policy premiums. Although these are variable from company to company, they may include savings for:
- Remaining claims-free
- Having a clean driving record
- Taking an approved ATV or RV safety education course
- Purchasing multiple lines of coverage from the same insurer
- Paying for your insurance premiums in full
- And more