When you are driving your RV, you want to know that you are fully protected in case of an accident. That’s why it’s important to have the right type of RV insurance coverage. There are many different types of RV insurance available, and it can be confusing to figure out which one is right for you.
Here are the different types of RV insurance coverage and explain what each one covers:
Liability insurance
This type of insurance covers damage that you may cause to other people or property while operating your RV. It’s the most basic type of RV insurance and is required in most states, so get yours at SWH Insurance Agency LLC in Whitesboro, TX.
Liability coverage includes:
- Bodily injury liability: This covers medical expenses and damages if you injure someone else in an accident.
- Property damage liability: This covers damages to someone else’s property, such as their car, if you cause an accident.
Collision and Comprehensive Insurance
This type of insurance covers damage to your RV if it’s involved in an accident. It also covers theft and vandalism. Collision and comprehensive coverage are not required in most states, but it’s a good idea to have them if you can afford it.
Collision coverage includes:
- Repair or replacement of your RV
- Rental car reimbursement
- Towing and labor costs
Comprehensive coverage includes:
- Repair or replacement of your RV
- Towing and labor costs
- Damage from events such as fire, flooding, or hail
- Theft of your RV or contents inside it.
Personal Injury Protection
This type of insurance covers medical expenses for you as well as the passengers you had in the car if any were injured in the accident. Usually, it doesn’t matter who was at fault. PIP is required in some states but not others.
PIP coverage includes:
- Medical expenses
- Lost wages
- Funeral costs
- Child care expenses
- Other expenses such as housekeeping or transportation
Contact Us Today
Now that you know the different types of RV insurance coverage, you can start shopping for a policy that meets your needs. Be sure to compare rates and coverages from different companies before you make a decision. Get in touch with SWH Insurance Agency LLC in Whitesboro, TX today to get started. We would be happy to help you find the right RV insurance policy for your needs.
