A recreational vehicle (RV) is a great way to get out and enjoy those activities you love the most. The demand for RVs is continuing to grow spurred by an influx of retirees and those wanting something more.
The challenge is protecting these vehicles can be tricky and requires adding them to your policies. Here are some insights on how to get the best vehicle coverage for your RV.
What is Recreational Vehicle Insurance?
RV insurance protects you against possible damages and injuries you cause to yourself, the passengers, and other drivers.
There are numerous coverage options including
- No-fault protection: You have the option of getting no-fault protection that covers the damages to your vehicle. Regardless of the causes, you have this protection no matter what.
- Physical damage: This protects you against things such as vandalism, theft, and broken windshields.
- Medical payments: RV insurance protects you against medical expenses for yourself and the passengers inside the vehicle.
- Uninsured motorists: If you are in an accident with an uninsured motorist, the policy will cover the costs to replace or repair the damages.
- Bodily injury: This covers injuries while you are driving your RV down the road.
- Animals: Sometimes, you will see pests such as deer, raccoons, possums, rodents, and other animals coming out on the roadway. If you are in an accident, this policy will cover the costs of replacement or repairs.
These are some of the different options you have for protecting your vehicle.
All Risk Insurance is the best in business. We will cover your vehicle and also do mobile home insurance. We work with the top-rated carriers to get you great rates and a policy that is customized for you.
Usage
Let’s face the facts in Florida lots of people will use their RVs as a full-time residence. Situations like this require different levels of coverage depending on how frequently you are using your vehicle.
- Full-time: If you are using your RV as a full-time residence, you will pay more for protection. The odds increase of having an accident if you are living in your RV full time versus taking it on occasional trips.
- Recreational: Recreational coverage requires less extensive protection. You are using your RV only on certain trips and not as frequently.
- Trailers: Your coverage options vary depending on if you are driving your RV (such as a Winnebago) or pulling it. If you are driving the RV, you will need separate liability coverage. Pulling the RV as a travel trailer offers protection that is transferred from your policy. You don’t have to buy additional coverage with these vehicles, as the risks are less than driving one.
We recommend visiting with our trained and knowledgeable professionals about getting the best coverage for you.
All Risk Insurance specializes in different types of vehicle coverage including boats, jet skis, your golf cart, motorcycles, RVs, and yacht insurance. We serve different communities throughout South Florida including Deerfield Beach, Boca Raton, and Delray Beach.
Call Us Today!
You can get the coverage you need for your RV. Call All Risk Insurance today at 561-395-5220 and put our 16 years of experience to work for you.
We can help and are located on Plaza Real South, near the Boca Raton Art Museum.
At All Risk Insurance Group in Boca Raton, we provide homeowners with everything from homeowners insurance to auto insurance to umbrella coverage. We can help you obtain the best recreational vehicle policy for your needs. Representing over 10 companies, we will help you get the best possible rate. Call us at 561-395-5220 or click here for a no-obligation flood insurance quote today