Do you own an RV? Are your summer months filled with good times traveling around? Is it insured? Contact the LG Insurance Group, serving the area in and around Marietta, GA, to get the protection you need for your RV.
RV insurance is protection if you cause damage or injuries to others. It will also cover the repair cost of your vehicle if a covered incident happens. Various coverage will differ based on how you use your RV – as a full-time residence or for recreation.
Coverage will also vary based on how the RV is operated. If driving a motor home, you will need separate liability to remain on the road. If you are pulling a travel trailer, you do not need separate liability insurance because it is covered by your auto insurance policy while towing it.
So, what insurance should you have on your RV? You are only required to have standard liability insurance for the protection of others, in addition to personal injury protection, or PIP, if you live in a no-fault state.
Your homeowner’s insurance policy may cover the personal property stored inside your RV, such as clothing, kitchen supplies, jewelry, or firearms. But it will not cover loss or damage to the RV itself. On the other hand, car insurance policies will cover the trailer, not personal property.
RV insurance will cover theft, depending on the type of coverage you have. If you have comprehensive coverage, theft of the RV and all internal components that were initially part of the RV at purchase, such as folding beds and cabinets, will be covered.
Don’t allow your summer fun to be compromised. Purchase RV insurance to have peace of mind knowing you are protected. Contact the LG Insurance Group today for a free, no-obligation quote.