Buying An RV? Tips To Help You Get The Right Insurance

13 April 2021
 Categories: , Blog

Purchasing a recreational vehicle (RV) provides you with the perfect excuse to spend more time out on the open road. RVs come in many different varieties, but if you are interested in a sleek, lightweight model that still features many of the same bells and whistles as traditional class-C versions, a travel trailer is an excellent choice. Buying the RV might seem like the first step, but because you are likely making a sizable investment in your new RV, you'll definitely want to make sure you have insurance in place before you head to the lot. Check out a few great tips you can use as a guide to help you select the perfect RV insurance policy.

Bump Up Those Liability Limits

It may seem reasonable to carry your state's minimum liability limits on your personal vehicle. Your car might be older or paid off, and you don't want to spend more for the coverage than you feel you need to. However, things change when you buy an RV. You'll want to aim for the highest limits possible because the damage that can be caused by an RV often eclipses that of a passenger vehicle by several miles!

For example, what if you are traveling along the highway when your trailer breaks away from the hitch as you hit a steep hill or downward slope? The trailer could spin wildly, potentially hitting several other vehicles in the process. As you can probably imagine, the damage caused by this kind of accident can easily climb high into the upper six-figure region, if not more. Without high liability limits, you may be on the hook for the excess.

Because of this, it's vital for you to ask your insurance representative for the highest limits you can possibly afford. You may be able to save by bundling your RV insurance with the same carrier you already have for your car or by obtaining a commercial driver's license (CDL).

Coverage For Your Personal Items

You also have to remember that your trailer will typically contain many more of your personal items than your average car. Ask your insurer if they offer protection for personal effects in case anything is stolen while you are parked at your latest vacation spot.

The right coverage can really help if you ever find yourself in an emergency situation. Include these protections in your RV insurance bundle and explore the country with confidence.

Contact a provider of insurance policies like Airstream RV insurance to learn more.