Recreational Vehicle Insurance

If you have any type of recreational vehicle, particularly a motorhome, you’ll want to ensure you have adequate protection to help you manage the risks you face. Choosing the right policy for your RV may be challenging, but we’re here to help. Contact Granite Risk Advisors today to find out what insurance options may be available.  

What Is RV insurance? 
RV insurance is a type of insurance that provides coverage for your motorhome, travel trailer, camper van or other recreational vehicle. It’s designed to protect you financially in case of accidents, theft or other incidents that can occur while you’re on the road. 

While some people may believe their standard auto insurance policy will cover their RV, that’s not always true. RVs are bigger and more complex vehicles than cars or trucks, and they require specialized insurance to provide adequate coverage. 

What Does RV Insurance Cover? 
RV insurance can cover a wide range of risks and potential losses. Here are some of the most common types of coverage that RV insurance policies may include: 

• Liability coverage—This type of coverage helps protect you if you cause an accident that injures someone else or damages their property.
• Collision coverage—This coverage helps pay for repairs or replacement of your RV if damaged in a collision with another vehicle or object.
• Comprehensive coverage—This coverage helps protect against noncollision damage, such as theft, vandalism or weather-related damage.
• Personal property coverage—This type of coverage helps cover the cost of replacing or repairing your personal belongings inside the RV, such as clothing, electronics and furniture, if damaged in a covered loss.
• Roadside assistance—Some RV insurance policies include roadside assistance, which can help you secure assistance in reimbursing or paying for flat tires, dead batteries or other breakdowns. 

How Does RV Insurance Work? 
Like any other type of insurance, RV insurance works by exchanging premiums for coverage. The amount you pay in premiums will depend on factors such as the value of your RV, your driving history and the amount of coverage you choose. 

If you have an accident or experience another covered loss, you’ll need to file a claim with your insurance company. They will review your claim and determine if it’s covered under your policy. If it is, they will pay for the costs of repairs or replacement, up to the limits of your coverage. 

It’s important to note that RV insurance policies can be tailored to meet your specific needs. You can choose the types and amounts of coverage that make the most sense for you and your RV. And if you plan to travel to different states or even different countries, you’ll want to ensure your policy provides coverage in those locations. 

How to Get RV Insurance 
By understanding what RV insurance covers and how it works, you can make informed decisions about the coverage you need to keep yourself and your RV safe on the road. Contact Granite Risk Advisors today to learn more about this coverage or get a policy quote.