If you are searching for “what does RV insurance cover”. This post should help!
What your RV insurance covers will depend on the kind of policy you decide to go with. RV insurance coverage choices comprise of liability, collision, comprehensive, and more. At Overland Insurance, we offer plenty of RV insurance coverages for 5th wheels, motorhomes, and travel trailers so customers can get the right coverage for their insurance needs.
Basic RV Insurance Coverage
Bodily injury liability coverage
If you caused an accident in your RV and someone is gets hurt, this coverage may assist in paying their medical bills and their loss of income. Liability coverage is a requirement in many states.
Property damage liability coverage
If you caused an accident, this coverage assists in paying for the damage to another person’s property or vehicle. Liability coverage is a requirement in many states.
It doesn’t matter who’s fault it is, collision pays for the damages to your RV or motorhome if you are in an accident with another vehicle. Additionally, collision covers RV or motorhome in cases of rollovers. If you finance or lease your RV or motorhome, collision might be required.
Commonly called “other than collision,” this coverage may assist in paying for non-collision damages to your RV or motorhome. This will include damages from vandalism, theft, failing items, fires, storms, floods and particular other natural disasters.
Uninsured motorist coverage
This type of RV coverage assists in protecting you against drivers that don’t have liability insurance or don’t have the money to pay for injuries and/ or damages they cause to you, the passengers of your RV or your RV. This coverage can also safeguard you from covered hit and run scenarios. Every state has their own uninsured motorist laws. Coverage is dependent on policy coverage provisions and restrictions.
Underinsured motorist coverage
Safeguard yourself against underinsured motorists. Every state has their own uninsured motorist laws. Coverage is dependent on policy coverage provisions and restrictions.
It doesn’t matter who’s fault it is, medical pay can assist in covering the medical bills for you and your passengers if your RV was in an accident.
Optional RV insurance coverage
Get 24/7 emergency assistance if you need fuel, the changing of tire, an RV jumpstart or even a tow.
Roadside Assistance also covers any trip disruption expenses that occur when you are more than 50 miles away from home.
Towing & labor
Towing and labor coverage, in addition to trip disruption expenses like lodging, transportation and meals.
Offers protection if an accident occurs on the premises while the RV is being utilized as a temp residence. Overland Insurance provides up to $10,000 in coverage with any recreation use RV with physical damage coverage under both comprehensive coverage and collision coverage.