What Are The Different Types Of RV Insurance Coverage?

If you’re an RV owner, it’s important to ensure you have the right type of insurance coverage. There are many different types of RV insurance policies available, and it can be difficult to know which one is right for you.

Travers Insurance offers this guide on navigating the types of RV insurance coverage available and help you decide which one is best for you.

RV Insurance Coverage: What You Need To Know

1. Liability Insurance

This type of insurance covers damages you may cause to other people or property while operating your RV. It is the most basic type of RV insurance and is required in most states.

If you are involved in an accident, liability insurance from Travers Insurance will cover the costs of repairs or replacements up to the limit of your policy. It’ll also cover the medical expenses of any injuries that you may cause to others.

2. Collision and Comprehensive Insurance

Collision insurance covers the cost of repairs to your RV if it’s damaged in an accident. Comprehensive insurance covers the cost of repairs or replacement if your RV is damaged by something other than an accident, such as a fire or theft.

Both collision and comprehensive insurance have deductibles, which is the amount you’ll have to pay out of pocket before your insurance coverage kicks in. Deductibles are typically higher for collision and comprehensive insurance than they are for liability insurance.

3. Full-Timer Coverage

If you live in your RV full-time in Webster Groves, MO, you’ll need to purchase full-time coverage. This type of insurance covers the same things as a standard RV policy, but it also provides additional coverage for things like contents insurance and emergency expenses. Full-timer coverage is more expensive than standard RV insurance, but it is worth it if you live in your RV full-time.

Give Us A Call

Now that you know the different types of RV insurance coverage available, you can start shopping around for the right policy for you. Make sure to compare rates and coverage levels before making a decision. We at Travers Insurance in Webster Groves, MO offer excellent RV insurance rates and coverage levels. Contact us today for a free quote.