You don’t need to spend money on flight bookings, choosing hotels or lining up for car rentals when you own an RV. However, despite the convenience, RVers encounter many challenges that are unique to life on the roads. With that in mind, Alliance Insurance services recommend carrying specialized RV insurance to protect you within and beyond Arvada, CO. So, which coverages should you be eyeing when buying RV insurance? Here are a few options to get you started.
Liability: You need property damage liability and bodily injury liability whether you’re using your regular car or driving a motorhome. Most states mandate that all motorists carry liability coverage as a form of financial responsibility. It helps cover damages or injuries that you cause on other people in case of an RV accident.
Uninsured/underinsured motorist: Ever thought what would happen if you were hit by an uninsured motorist? And what if they’re unable to repair the damages on your RV or pay your medical bills? You never know, so get yourself uninsured/underinsured motorist coverage to protect yourself and your investment.
Personal injury protection: This coverage helps pay medical expenses for you, your family or friends in case of a crash with your RV. It doesn’t matter who is at fault.
Total loss replacement: If your RV is totaled within the first five years, your insurance company should replace it with a brand-new RV that is similar or almost similar to what you had. If you decide not to replace the RV, your insurance company can compensate you with the original price.
Roadside assistance: At some point in your tour, you may need roadside assistance to check, tow, or repair your RV. Most insurance providers provide towing services to help you get the vehicle to the nearest repair facility.
Personal effects replacement: If you’re a long-distance traveler, you probably carry the majority of your valuables in your RV. If they are lost, stolen or damaged, this coverage helps replace them.
Need help choosing coverages for your RV in Arvada, CO? You are in the right place because Alliance Insurance Services can help you purchase and choose RV coverages based on your travel needs and budget. Call us today!