What Type of Coverage Does Recreational Insurance Include?

Recreational insurance is a necessity for Longmont, CO RV users. RV insurance covers things on both ends of the home and auto spectrum. The 1st American Insurance Agency offers recreational insurance for all who require it. Here is what you need to know about RV coverage.

What Do You Plan to Do With Your RV?

Do you use your RV seasonally or for transportation like a traditional vehicle? Do you camp from your RV or park it in places with other RVs?

All of these things can factor into your insurance considerations. Knowing how you will use your RV will put you in a good position to choosing the right insurance options for your needs.

What RV Insurance is a Requirement?

Your RV will require traditional auto insurance, but you will also need special insurance coverage as well. In Longmont, CO, you need RV liability coverage.

You will need the state required liability coverage for an automobile. From there, the type of RV coverage will depend on:

  • The class of your RV
  • Whether you own or are financing the RV

Various types of recreational vehicles exist. For example, the classic motor-home or Class A RV can range from nondescript to luxury. However, you may have a Class B RV, sometimes called a campervan. Class C RVs are those that are hauled behind a truck or utility vehicle.

Outside of the required insurance, you will want to consider optional coverage depending on your specific needs. For example, traditional insurance options such as collision and comprehensive are still important. Things like roadside assistance become even more important for RVs.

In addition, if you live out of your RV even for short periods, you will want to protect your personal belongings from damage and theft. RV insurance isn’t the same for everybody. You need a package to address your individual needs and unique situation.

Whether you’re seeing the sights or living on the road, contact the 1st American Insurance Agency for all your recreational insurance needs.