Your recreational vehicle (RV) provides you with an exciting and comfortable way to travel the world. However, like any other motor vehicle, owning and operating an RV includes significant risks and exposures that could lead to costly financial losses. With that in mind, you should prioritize understanding, acquiring and maintaining suitable RV insurance. 

What Is RV Insurance? 
As its name suggests, RV insurance is a type of coverage capable of providing essential financial protection from incidents involving your vehicle. By purchasing an adequate RV insurance policy, you may access critical financial assistance to limit expenses and losses arising from RV-related incidents. Conversely, if you do not have sufficient coverage, you may need to pay significant out-of-pocket costs and may even lack the ability to maintain your vehicle altogether. 

How Does RV Insurance Work? 
An RV insurance policy is a contractual agreement between you and your insurance company. By keeping up with your premiums, you maintain potential access to financial assistance following incidents involving your vehicle. This type of coverage may often function similarly to standard auto insurance and typically include some combination of the following components: 

• Bodily injury liability coverage may help pay for the medical expenses and other financial losses of third parties injured in accidents for which you were responsible.
• Property damage liability coverage may render financial aid if you are at fault for an accident that damages another party’s property. 
• Campsite and vacation liability coverage may provide financial assistance if you are liable for third-party losses occurring while you are parked, such as at a campsite or RV park.
• Collision coverage may help pay for repairs if your RV is damaged after striking another vehicle or stationary object, such as a building or fence.
• Comprehensive coverage may insulate you from financial losses if your vehicle is damaged in a noncollision incident, such as fires, lightning, weather events and crime.
• Medical payments (MedPay) coverage may help pay for the health care costs of you and your passengers resulting from an accident, regardless of who was at fault.
• Uninsured/underinsured motorist coverage may help you recoup financial losses for which another driver is responsible if they lack sufficient insurance.
• Personal property coverage may provide financial assistance for losses involving possessions being stored or transported in your RV. 

Is RV Insurance Required? 
RV insurance requirements may vary significantly depending on your unique circumstances, such as location, destination and type of vehicle. Most states require minimum liability coverage for bodily injuries and property damage, and specific foreign destinations, such as Mexico, require you to purchase a separate policy to drive your RV there. By working with a qualified insurance professional, you can identify applicable RV insurance requirements and ensure compliance. 

Get the Right Coverage 
At Kevin Brewer & Associates, we are well-equipped to help RV owners and their families maintain financial security through optimal insurance. We will work with you to assess your coverage needs and address them with the right policy. Contact us today to begin.