Insurance for your RV is required if you own an RV and plan to operate it, whether you take road trips or live in it part-time. RVs can become involved in accidents or may suffer from damage due to extreme storms. If you have an RV insurance policy, it’s important to know what it covers to ensure you can file a claim when it’s necessary.


1. Emergency Expenses

There are times when you may need to perform emergency expenses on your RV, which can include mechanical repairs or damage due to a wild animal. The emergency repairs can immediately be performed when you report the issue to your insurance company and provide proof, which can include photos. You may have the cost of a hotel room or meals covered if the damage prevents you from using the RV.


2. Contents Coverage

Many RV owners are unaware that the contents of their RV are also covered in their insurance policy to ensure the items can be replaced if they’re damaged or stolen. If someone breaks into the RV and steals your television or jewelry items, the loss will be covered by your policy after your claim is processed.


3. Roadside Assistance

Whether you get a flat tire or run out of gas, your insurance policy can allow you to obtain roadside assistance to ensure you restore the operation of your recreational vehicle. If mechanical issues develop under the hood and the RV must be towed, it’ll save you a lot of money having an insurance policy because towing an RV is at least double the cost of towing a standard car. You can receive 24/7 assistance to avoid becoming stranded on the side of the road.


4. Safety Glass Replacement

Whether a rock hits your windshield or someone attempts to break into one of the windows of your RV, your insurance can cover the cost to replace the glass when you have a policy with a company like All Risk Insurance Group. This can offer peace of mind and allow you to restore the safety and protection in place on your RV to ensure you can return using it to get back on the road.


5. Damage Due to Collisions

Many people use their insurance policy for their RV to cover the cost of damage that occurs due to a collision. Even if you’re at fault, the insurance can restore the operation and condition of the recreational vehicle, which can prevent it from losing value. You’ll need to pay the deductible on the policy, but this is only a fraction of the cost of the expenses associated with restoring your vehicle’s condition after it’s been in an accident.


If you want to learn more about insurance for your RV and what it covers, feel free to reach out to our team to obtain more information. We’re happy to answer your questions and can assist you with starting the process of obtaining a policy for your recreational vehicle. Contact us at All Risk Insurance Group today!