Like Boats, many people don't initially think they need to insure their Recreational Vehicle, but accidents, vandalism and theft are just as likely to affect your motorcycle, motor home, ATV or other Recreation Vehicle as a car or home.
Recreational Vehicle Insurance can protect you if you incur medical expenses in your own or someone else's vehicle and provide liability coverage in the case of damaged property or injured bystanders. You invest a lot in your RV, invest a little bit more for piece of mind.
Understand Types of RV Insurance
There are several options you should consider when purchasing an RV. Specialty RV insurance in WA includes coverage options that are typically unavailable on most standard vehicle policies. Here are brief descriptions of the different types of Specialty RV coverages. Contact an AAG Recreational Vehicle Specialist in WA today!
Types:
- Emergency Vacation Expense coverage is an option that reimburses out-of-pocket expenses that occur when an RV is out of use due to a covered loss.
- Diminishing deductibles is a coverage option that is hard to decline. When selected, this option decreases the amount of the comprehensive and collision deductibles by 25% for every claim-free year until the deductible hits zero.
- Vacation Liability provides general liability coverage while the RV is used as a vacation residence. This liability protection follows the insured from campsite to campsite, or RV lot to RV lot.
- Windshield replacement coverage, (offered in most states) protects your RV from damaged windshields. This is a tremendous value considering the current cost of replacing motor home windshields.
- Replacement Cost for Personal Effects coverage is an option that replaces belongings inside the RV that are destroyed during a covered loss.
- Extended Utility Trailer coverage is an option that covers utility trailers pulled behind a motor home. Every RV policy automatically covers physical damage to a utility trailer up to $2,500; however, Explorer can increase that coverage up to $99,000. As RVers take more of their belongings with them on trips, utility trailers are becoming the norm, so it makes sense for the insured to include their trailer on the same policy as their RV.
- Golf cart/moped coverage is another option that simplifies RV insurance coverage.
- Awning replacement is available as an option to insureds that qualify for Total Loss Replacement coverage. Awning replacement covers the awning for the full replacement cost of the awning during the RV’s first two model years.
- Mexico physical damage is a great option available to any RVer. This option extends comprehensive and collision coverage into Mexico as long as the insured separately purchases Mexico liability coverage.
Whether are just for a vacation, or hit the road permanently you need to feel secure in knowing that everything will be fine when the unforeseeable strikes. A solid WA RV policy provides coverage to close the void that may exist with standard vehicle coverage. Most of these coverages are extremely inexpensive and you should not drive without. Contact an AAG outdoor vehicle professional today and figure out which ones you need to protect your property and wallet!
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