RV Insurance

Archive for March, 2010

When you purchase an RV, there are a lot of considerations to deal with besides picking your next vacation destination.  RV insurance is a primary consideration, for sure.  For RV’ers who like to get out on the road, short term RV insurance is a must have.  Here are some situations to help you figure out what you need.

Whether you plan to live in your RV as a full timer or you just enjoy taking short getaways, you have to have RV insurance.  The best RV insurance policies protect you and your family as well as your RV and belongings.  Total loss replacement coverage, for instance, allows you to replace your RV with a similar recreational vehicle in case of a major accident.  Coverage options are also available to take care of towing, accidents while your RV is parked and theft.  Your vehicle insurance options will be determined by the insurance company you choose, the RV model that you drive and a host of other factors.  One of the most important factors is whether you’re a full timer or a short-term RV driver.

Although they’re both meant to protect your personal property, fulltimer insurance and short-term insurance are fundamentally different. Fulltimer liability is similar to home insurance because it treats your parked RV as a residence.  Campsite liability, on the other hand, is meant to cover short-term use.  Campsite liability is vital to cover the cost of a medical emergency caused by someone being injured in or around your RV.  This short-term insurance coverage also often covers property damage from fire, vandalism or other circumstances.

Traveling outside the United States is another instance in which short-term insurance is necessary.  If you travel to Mexico, for example, you have to purchase short-term insurance within their borders even if you have full coverage under your US provider.  This is partly because accidents are dealt with as a criminal and civil matter under the law.  Without the proper Mexican insurance, you could face the possibility of having your RV impounded or being held in jail.  It’s also important to note that US insurance carriers may restrict their coverage in some ways if an incident happens outside of US jurisdiction.  If you’re a US citizen planning an RV trip across any border, or vice versa, be sure to research the laws and your RV insurance policy.

If you’re vacationing, knowing you have good RV insurance can help take a burden off your mind.  Full time RV insurance treats your RV as you would any other home, and short term RV insurance covers you so a mishap won’t ruin your vacation.  When you’re covered, your road trip is just a little more carefree.