RV Insurance - Don't Travel Without It!

RV insurance can easily save your family vacation. RV insurance provides RVers with peace of mind whether the RV is parked in front of your home or at a campsite in Yosemite National Park. RV insurance provides you with coverage for a variety of different events including:

• Accident
• Theft
• Vandalism
• Collision
• Smoke
• Fire
• Hail
• Windstorms
• Landslides

RV insurance can also provide you with coverage for your personal property should your RV be broken into or vandalized. This is important because many people keep belongings in their RV that they wouldn't consider keeping in their car. This includes camping equipment, camcorders, laptops, VCRs, DVD players, clothing and jewelry. This insurance can provide you with emergency assistance in the form of lodging, a rental car and the replacement of your belongings. You are also covered from liability should a campsite visitor slip or fall.

This insurance is essential for many RVers. For some an RV is more than their vehicle for traveling, it may very well be their full-time home. Because of this, you need special insurance coverage to ensure that your travels are safe no matter where you are. Many RVers place their RV on their regular car insurance policy. This is not necessarily a good idea. By placing your RV on your auto policy, you will not be able to take advantage of the liability insurance if someone should injure himself or herself on the RV or your campsite. Your car policy will also not cover emergency assistance should you be involved in an accident that renders your RV undriveable.

Many RV insurance policies will also cover:

• Bodily injury or property damage liability
• Uninsured motorists
• Medical payments
• Comprehensive and Collision Options
• Roadside assistance
• Emergency expenses
• Vacation liability
• Mexico physical damage
• Trailer
• Fire Department Service Charge

If you are a full-timer, you may want to consider what your options are when it comes to living on the road full-time. These packages are similar to a homeowner's policy and provide similar coverage. They will include personal liability, medical payments to others, loss assessment and storage shed contents.

The road can be a dangerous place and you want to ensure that you are adequately covered when traveling. No matter what type of RV you have you can insure it with an RV policy. You can opt to not carry the insurance in the winter, but if your RV was broken into, vandalized or damaged you may not be covered. RV insurance covers you no matter where you are parked, so it's better safe than sorry.

By Bill Doane