Where are some of your favorite places to camp? Our Top 5 recommendations are:
- Big Bend National Park
- Palo Duro Canyon State Park
- Zion National Park
- Bryce Canyon National Park
- Grand Canyon National Park
If you’re a road warrior and plan to enjoy some outdoors, make sure you’re aware of how RV, motorhome, and travel trailer insurance works.
RV insurance has the basic coverages of Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorists coverage, Medical Payments, and Comprehensive and Collision options depending on whether or not the vehicle has an engine or not. The liability coverage on any non-motorized travel trailer is provided by liability portion of the auto insurance of the vehicle pulling it. If you have a motorhome where it’s all one self-contained power unit, then the coverage for liability and property damage is almost exactly like an auto insurance policy with liability and property damage assigned to that specific vehicle.
Before getting a quote from us on your RV insurance, keep a few things in mind:
- What do you keep in your RV? If you’re a full-timer, you may keep all of your jewelry and clothing in your RV and will need a policy that covers your personal property in case of a catastrophic loss.
- Do you plan on parking at an RV campsite? You may be responsible for the area around your RV. Know where you will be camping and how many other people you come into contact with at your RV park. You may need coverage in case someone is injured coming and going out of your parked RV. This is called Vacation Liability coverage.
What is Vacation Liability coverage on an RV? This coverage may also be called campsite liability. This covers liability when the vehicle – travel trailer or motorhome is parked somewhere off of a public road and is used for recreational purposes.
Special Coverages for Full-Timers
When your RV is your full-time home, it needs to be insured accordingly. If you’re looking for Full-Timer travel trailer insurance, that liability coverage should be provided by that policy. Most companies consider someone a Full-Timer if they spend more than 4 months per year using their motorhome and more specifically if it’s parked in one location the whole time. There are about 4-5 different classifications of usage for that so let us know how you plan to use it so we can help you get the correct coverage. Check with your Ryan Everet Insurance Agent to see what coverages we offer specifically for RV full-timers.
Some coverages that may be available include:
Storage Shed Coverage – This coverage reimburses the insured for loss, theft, or damage to storage contents under a covered loss.
Loss Assessment – An additional RV insurance coverage that will pay for assessments that are required while the insured is part of an association. This situation may arise if the RV is parked in an RV lot that is part of an association. Required improvements could be aesthetic or mechanical and designed to benefit all members of the association.
Scheduled Medical Benefits – This RV insurance coverage provides medical expense coverage up to the policy limit for others who are injured due to a covered incident while on the property occupied by the RV while it is being used as a permanent or primary residence.
Call us at 940-268-5112 to talk to a licensed insurance agent.