Exploring the world in an RV is a dream that many people share. Just like you have insurance for your car, getting proper insurance for your recreational vehicle from one of the trusted Los Angeles insurance companies is just as important. Here’s what you need to know about RV insurance.
First, don’t think that you don’t need RV insurance just because you have car insurance. Your vehicle insurance does not cover your RV. The foundation of every RV insurance policy is bodily injury liability, property damage liability, collision and comprehensive coverage. Additionally, you can add coverage for uninsured motorist, personal property, emergency expenses, total loss replacement, roadside assistance and full-timing. How much coverage you need depends on how you use your RV. Do you intend to cross the U.S. border? Do you live in it full-time or do you only take extended trips in it? What kind of RV do you own and what’s the value of your personal belongings? These are only some of the questions you have to ask yourself when choosing an insurance policy. If you live in your RV full-time, you don’t have homeowner’s insurance that offers high-limit liability protection and medial payments coverage. In this case, you will need a recreational vehicle policy that protects you from costly claims.
These are the fundamentals of RV insurance. Established Los Angeles insurance companies that understand the unique needs of RV owners can get you the right coverage.