Like many other types of insurance, RV insurance can be different depending on what you want to get covered. Fortunately, there are many different types of coverage available. So ultimately, you have plenty of options. Let’s find out more!
Bodily Injury Liability
First, let’s talk about bodily injury liability. This type of insurance helps pay for medical bills and loss of income. However, this is typically applied to someone else when they are injured in an RV accident. Many states require this insurance, so make sure you do your research before buying an RV!
Property Damage Liability
Property damage liability is also essential when it comes to covering all of your bases. This coverage also helps, since it can assist in making payments towards vehicles and property.
Collisions are another factor that you need to consider. When you get into an accident with another vehicle, collision insurance kicks in. It provides coverage for both RVs and motorhomes when an accident with another vehicle occurs; it also applies to incidents such as rollovers. Depending on whether or not you finance or lease your vehicle, collision insurance could be required.
No matter what type of vehicle you typically operate, getting comprehensive coverage for it is always a good idea. You might see this policy classified as “other than collision” and helps to cover damages that don’t occur as part of an accident. Whether it is simple vandalism, theft, falling objects, fire, storms, floods, or other natural disasters, everything is covered and accounted for, so you have some peace of mind.
Insurance is one of the most important aspects of being a driver. This is necessary for all motor vehicles, including motorcycles and even ATVs. Do you have a boat? You’ll need to get it insured as well. A primary concern for all drivers is when they are uninsured or underinsured. That way, when other drivers don’t have liability insurance, or otherwise cannot afford to cover injuries and damages, this can make a difference. It depends on the state where you live, and provisions and limits to apply in various situations.
Get in Touch with Wachter Insurance
At Wachter Insurance, our agents are here to help you pick the right homeowner’s insurance so you know you have coverage no matter your insurance claims. Have questions about your homeowner’s insurance claims? Find answers and learn more about filing insurance claims by contacting us. We will help you understand the coverage and limitations of your homeowner’s insurance so you can avoid having your insurance claims denied. Please call us at 301.371.6335, visit our website or drop by our Middletown, Maryland office to personalize your homeowner’s insurance policy today. Be sure to follow us on Facebook, Pinterest, and Twitter too!