Vacation liability coverage is a form of RV insurance that covers you if someone gets hurt in your space while your RV is not parked at your home.
What Does Vacation Liability RV Insurance Cover?
In addition to what was mentioned above, vacation liability coverage is comparable to home insurance’s Coverage E. For example, it applies if someone is injured inside your RV while the vehicle is parked at a campsite and you are found liable. Coverage may also apply when your RV is parked at a store, but these cases can quickly become complex. The best way to know exactly what is covered in your policy is to contact your insurance agent for all the specifics.
Vacation liability coverage only applies to RVs when they are parked at a campsite and not actively on the road. This means coverage can be added to all sorts of RVs, including towable travel trailers, pop-up campers, truck bed campers, drivable RVs and converted vans. Keep reading for more details on what vacation liability covers.
Injury To Another Individual At The Campsite
Let’s say you are having a fire at your campsite when suddenly flames fly out of control, causing harm to another individual nearby. In this case, you could be held liable to pay for any medical expenses they incur. Vacation liability coverage can then pay for their medical expenses and help you cover legal fees if the harmed party intends to sue.
Vacation liability coverage can also apply to dog bites. If your dog bites someone at the campsite, you could be held financially responsible. It’s highly recommended to get vacation liability coverage if you are traveling with a pet.
Accidental Property Damage At The Campsite
Things can get a lot more expensive if that same fire scenario plays out, yet results in a flame inside a neighbor’s RV. You will likely be held responsible for any damages that result in burns to their vehicle. Vacation liability coverage can also help out with any property damage that occurs at your designated campsite while your RV is parked there.
Free Full Time RV Insurance Quotes
Give Overland Insurance Agency a call today at (480) 994-9584 to find out why we are one of the best RV insurance agencies in the industry! Get a Full-Time RV Insurance Quote today![/vc_column_text][/vc_column]