Whether your RV is your once-a-year vacation getaway or more like a second home that you travel with at every opportunity, protecting it with RV insurance is a worthwhile investment.
But finding the right insurance policy in Lafayette, CO can be complicated–and RV insurance policies have quite a few ins and outs, blending the features of both home and auto insurance policies to keep your investment covered. Here’s what you need to know to choose the right coverage.
You could cover your motor home or trailer with a standard auto insurance policy, but it would leave big gaps in coverage that could cost you hundreds. A standard RV policy blends features of both auto and home insurance coverages. Some unique options include the following:
- Total loss replacement: pays for a replacement RV in case yours is totaled
- Full-timer’s coverage: provides extra liability coverage for those who live in their RV year-round
- Personal contents coverage: much like a homeowner’s policy, this protects your property in case of theft, vandalism, or other damage
- Vacation liability: covers accidents that occur to others when your vehicle is parked at a campsite or other location
Finding the best deal
By comparing quotes (and reading the fine print of each policy), it won’t take long to narrow down your best options. Many agencies offer seasonal coverage, so if you know you’ll only be RV’ing in the spring or summer months, ask about purchasing coverage for just the time you’ll need it.
If you have auto insurance through an independent agent, your best bet is to talk to one of the insurance professionals at that agency about RV insurance options; they’ll be able to get you quotes from several different insurance companies and answer any questions you have about insurance coverage.